Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) 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 an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Comm re (33%), comm loans (13%), home mtgs (12%), securities (10%), cash (2%), consumer loans (0%), other (29%)
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
Sovereign Bancorp, Inc.
Investment Rating
--
Address
130 East MacArthur Street
Shawnee, OK 74804
Shawnee, OK 74804
Phone Number
(405) 275-8830
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.