Major Rating Factors:
Weak current capitalization (2.3 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Very Weak liquidity 0.8, driven by a liquidity ratio of 26.1 percent and a “hot money” ratio of 10.6 percent. A current level of 4.1 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Comm re (37%), securities (29%), cash (9%), home mtgs (7%), comm loans (2%), consumer loans (0%), 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
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.