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 (4.3 on a scale of 0 to 10). A current level of 2.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.5) profitability.
Asset Mix:
Cash (13%), comm re (10%), comm loans (10%), home mtgs (3%), consumer loans (0%), other (64%)
States with Branches:
OK
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
BancWest, Inc.
Investment Rating
--
Address
101 South Main Street
Thomas, OK 73669
Thomas, OK 73669
Phone Number
(580) 661-3541
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.