Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 29.7 percent and a “hot money” ratio of 23.6 percent.
Asset Mix:
Comm re (38%), securities (17%), cash (13%), home mtgs (12%), comm loans (3%), consumer loans (1%), other (15%)
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
P.O. Box 801826
Dallas, TX 75380
Dallas, TX 75380
Phone Number
(972) 716-7100
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.