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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.7 and a capital leverage ratio of 14.7. A current level of 3.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Home mtgs (40%), cash (21%), comm re (18%), consumer loans (6%), comm loans (5%), securities (3%), other (8%)
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
Spring Hill Holdings Corporation
Investment Rating
--
Address
3700 Gilmer Road
Longview, TX 75604
Longview, TX 75604
Phone Number
(903) 759-0751
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.