Major Rating Factors:
A current level of 10.6 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Fair asset quality (4.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 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 16.9 and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.6) profitability.
Asset Mix:
Comm re (62%), cash (11%), home mtgs (6%), securities (2%), home eq lns (2%), comm loans (2%), other (15%)
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
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