Major 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 (4.3 on a scale of 0 to 10). A current level of 7.1 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.7 and a capital leverage ratio of 16.6. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 2.2 has resulted in Excellent (7.3) profitability.
Asset Mix:
Comm loans (31%), securities (28%), comm re (14%), cash (8%), home mtgs (4%), consumer loans (0%), other (15%)
States with Branches:
GA, 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
2602 Blodgett Street
Houston, TX 77004
Houston, TX 77004
Phone Number
(713) 387-7400
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.