Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 10.4. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Cash (21%), securities (20%), home mtgs (13%), comm loans (12%), comm re (8%), consumer loans (1%), other (25%)
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
No affiliate information available.