Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability. A current level of 3.8 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (26%), cash (14%), comm loans (7%), securities (7%), consumer loans (1%), other (17%)
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
American National Bancshares, Inc.
Investment Rating
--
Address
200 West State Highway Six
Waco, TX 76712
Waco, TX 76712
Phone Number
(254) 412-2000
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.