Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Home mtgs (37%), securities (25%), cash (3%), comm re (2%), comm loans (1%), other (32%)
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
No affiliate information available.