Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.1) profitability. Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), home mtgs (18%), comm loans (16%), securities (7%), cash (6%), consumer loans (2%), home eq lns (1%), other (25%)
States with Branches:
AR, OK
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
Firstar Financial Corp.
Investment Rating
--
Address
1720 East Cherokee Avenue
Sallisaw, OK 74955
Sallisaw, OK 74955
Phone Number
(918) 775-9136
Year Founded
1964
FDIC Number
Website
Largest Affiliates
No affiliate information available.