Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 70.3 and a capital leverage ratio of 23.7. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (8.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Securities (28%), cash (20%), comm loans (8%), home mtgs (4%), consumer loans (2%), comm re (0%), other (36%)
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 Latimer Corporation
Investment Rating
--
Address
301 West Main Street
Wilburton, OK 74578
Wilburton, OK 74578
Phone Number
(918) 465-2327
Year Founded
1979
FDIC Number
Largest Affiliates
No affiliate information available.