Charter Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.9) profitability.
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 (7.0 on a scale of 0 to 10). A current level of 17.4 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Securities (39%), comm re (23%), comm loans (11%), home mtgs (5%), cash (3%), home eq lns (1%), consumer loans (0%), other (19%)
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
Charter Bancshares, Inc.
Investment Rating
--
Address
10502 Leopard Street
Corpus Christi, TX 78410
Corpus Christi, TX 78410
Phone Number
(361) 241-7681
Year Founded
1962
FDIC Number
Website
Largest Affiliates
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