Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 29.1 and a capital leverage ratio of 10.9. A current level of 2.5 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Cash (53%), home mtgs (19%), consumer loans (9%), comm re (7%), comm loans (5%), other (8%)
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
1721 Tulane Drive
Lufkin, TX 75901
Lufkin, TX 75901
Phone Number
(936) 639-3201
Year Founded
1978
FDIC Number
Largest Affiliates
No affiliate information available.