Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). A current level of 3.8 percent of nonperforming loans to core capital combined with 26.0 percent from a year earlier contributes to the Fair asset quality (4.4).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Home mtgs (23%), securities (17%), comm re (11%), comm loans (7%), cash (5%), consumer loans (5%), other (33%)
States with Branches:
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
First Poteau Corporation
Investment Rating
--
Address
1409 North Broadway Street
Poteau, OK 74953
Poteau, OK 74953
Phone Number
(918) 647-8101
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.