Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 16.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Fair asset quality (3.9). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Asset Mix:
Comm re (40%), securities (13%), home mtgs (13%), cash (12%), comm loans (4%), consumer loans (0%), other (18%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
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Address
Corner of Preston Road and LBJ
Dallas, TX 75230
Dallas, TX 75230
Phone Number
(972) 716-7100
Year Founded
FDIC Number
Website
Largest Affiliates
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