Major Rating Factors:
Operating profits as a percentage of assets at 9.3%, coupled with a return on assets of 8.5 has resulted in Excellent (9.8) profitability. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 35.3 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Cash (38%), home mtgs (23%), securities (13%), comm re (9%), comm loans (0%), other (17%)
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
BMC Bancshares, Inc.
Investment Rating
--
Address
10000 North Central Expy
Dallas, TX 75205
Dallas, TX 75205
Phone Number
(972) 590-3500
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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