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 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.4. A current level of 2.6 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (28%), comm re (24%), cash (16%), comm loans (7%), securities (6%), consumer loans (1%), other (18%)
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.