Major Rating Factors:
Operating profits as a percentage of assets at 18.7%, coupled with a return on assets of 18.7 has resulted in Excellent (10.0) profitability. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 9.6. 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:
Home mtgs (27%), cash (26%), securities (16%), comm re (11%), comm loans (0%), other (20%)
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
No affiliate information available.