Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.6). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Cash (29%), comm re (14%), home mtgs (13%), comm loans (11%), consumer loans (2%), securities (1%), 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
No affiliate information available.