Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 8.8.
Asset Mix:
Securities (49%), cash (15%), home mtgs (11%), comm re (5%), comm loans (2%), consumer loans (2%), other (15%)
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
Aspermont Bankshares, Inc.
Investment Rating
--
Address
136 West Seventh Street
Aspermont, TX 79502
Aspermont, TX 79502
Phone Number
(940) 989-3505
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.