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 (10.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.0. A current level of 4.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Comm re (23%), cash (19%), comm loans (14%), home mtgs (14%), securities (6%), consumer loans (1%), home eq lns (1%), other (21%)
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
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