Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 10.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Cash (22%), securities (20%), home mtgs (13%), comm loans (11%), comm re (10%), consumer loans (1%), other (23%)
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
Woodson Bancshares, Inc.
Investment Rating
--
Address
1526 Fourth Street
Graham, TX 76450
Graham, TX 76450
Phone Number
(940) 549-8880
Year Founded
1983
FDIC Number
Website
Largest Affiliates
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