Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 10.6. A current level of 0.8 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other 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 (4.2 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 31.3 percent and a “hot money” ratio of 39.5 percent.
Asset Mix:
Securities (51%), home mtgs (9%), comm loans (9%), comm re (7%), cash (2%), consumer loans (2%), home eq lns (1%), other (20%)
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
Community Bancshares of Alva, Inc.
Investment Rating
--
Address
1729 College Boulevard
Alva, OK 73717
Alva, OK 73717
Phone Number
(580) 327-5500
Year Founded
1984
FDIC Number
Website
Largest Affiliates
No affiliate information available.