Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 73.2 and a capital leverage ratio of 25.0. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.7).
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 (9.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (24%), cash (21%), comm loans (9%), home mtgs (5%), consumer loans (2%), comm re (1%), other (38%)
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
There are no affiliate to display.