Major Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.2). Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 8.1 and a capital leverage ratio of 7.7.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 59.0 percent and a “hot money” ratio of 47.0 percent. 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).
Asset Mix:
Securities (11%), comm loans (9%), home mtgs (9%), comm re (6%), cash (6%), consumer loans (2%), home eq lns (1%), other (56%)
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.