Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (3.1) profitability. A current level of 5.7 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.2 and a capital leverage ratio of 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Asset Mix:
Comm loans (41%), securities (24%), comm re (11%), cash (5%), home mtgs (4%), consumer loans (0%), other (16%)
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.