Major 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 (8.5 on a scale of 0 to 10). A current level of 1.5 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 8.5. Fair liquidity 3.2, driven by a liquidity ratio of 32.4 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Cash (29%), comm re (16%), home mtgs (14%), comm loans (10%), consumer loans (2%), securities (0%), other (30%)
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
Quinlan Bancshares, Inc.
Investment Rating
--
Address
5700 Legacy Drive
Plano, TX 75024
Plano, TX 75024
Phone Number
(972) 673-4000
Year Founded
1964
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.