Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (30%), comm re (27%), comm loans (13%), home mtgs (6%), cash (2%), consumer loans (0%), other (22%)
States with Branches:
CO, 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
Americo Bancshares, Inc.
Investment Rating
--
Address
530 East Highway 62-82
Wolfforth, TX 79382
Wolfforth, TX 79382
Phone Number
(806) 775-5000
Year Founded
1962
FDIC Number
Website
Largest Affiliates
No affiliate information available.