Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (5.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Comm re (38%), securities (26%), cash (12%), home mtgs (7%), comm loans (3%), consumer loans (0%), other (14%)
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
Inwood Bancshares, Inc.
Investment Rating
--
Address
7621 Inwood Road
Dallas, TX 75209
Dallas, TX 75209
Phone Number
(214) 358-5281
Year Founded
1964
FDIC Number
Website
Largest Affiliates
No affiliate information available.