Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 3.2 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Cash (36%), securities (32%), home mtgs (12%), consumer loans (5%), comm loans (2%), comm re (2%), other (11%)
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
Investment Rating
--
Address
235 Centennial Street
Carmine, TX 78932
Carmine, TX 78932
Phone Number
(979) 278-3244
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.