TIB, National Association
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.2 and a capital leverage ratio of 12.7. A current level of 3.7 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Cash (29%), home mtgs (12%), comm loans (7%), comm re (6%), securities (4%), home eq lns (4%), consumer loans (2%), other (36%)
States with Branches:
CA, GA, IL, OK, 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
TIB, Inc.
Investment Rating
--
Address
11701 Luna Road
Farmers Branch, TX 75234
Farmers Branch, TX 75234
Phone Number
(972) 444-3500
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.