Major Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Fair asset quality (4.6). 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 12.8. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (8.6) profitability.
Asset Mix:
Comm re (58%), cash (14%), home mtgs (8%), securities (3%), home eq lns (2%), comm loans (1%), other (13%)
States with Branches:
CA, 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
Investment Rating
--
Address
9315 Bellaire Boulevard
Houston, TX 77036
Houston, TX 77036
Phone Number
(713) 777-3838
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.