Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. 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) and a capital leverage ratio of 13.1. A current level of 4.7 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Home mtgs (36%), comm re (14%), securities (9%), cash (8%), comm loans (7%), consumer loans (2%), other (23%)
States with Branches:
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
630 Clarksville Street
Paris, TX 75460
Paris, TX 75460
Phone Number
(903) 784-0881
Year Founded
1922
FDIC Number
Website
Largest Affiliates
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