Major Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Asset Mix:
Comm re (46%), securities (22%), comm loans (8%), home mtgs (6%), cash (3%), consumer loans (0%), 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
Moody Bancshares, Inc.
Investment Rating
--
Address
2302 Post Office Street
Galveston, TX 77550
Galveston, TX 77550
Phone Number
(409) 632-5016
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.