Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 9.1.
Other Rating Factors:
A current level of 12.1 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 4.3, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 4.8 percent.
Asset Mix:
Home mtgs (42%), securities (17%), cash (8%), comm re (3%), comm loans (0%), consumer loans (0%), other (29%)
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
The SLHC Trust
Investment Rating
--
Address
2515 McKinney Avenue
Dallas, TX 75201
Dallas, TX 75201
Phone Number
(972) 934-4700
Year Founded
1922
FDIC Number
Website
Largest Affiliates
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