Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 145.3 and a capital leverage ratio of 29.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 8.9, driven by a liquidity ratio of 62.5 percent and a “hot money” ratio of 30.0 percent. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 2.5 has resulted in Excellent (7.2) profitability.
Asset Mix:
Securities (43%), cash (36%), home mtgs (5%), comm re (4%), comm loans (0%), other (12%)
States with Branches:
CA, OH, PA, 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
6000 Legacy Drive
Plano, TX 75024
Plano, TX 75024
Phone Number
(469) 467-5000
Year Founded
1988
FDIC Number
Website
Largest Affiliates
Las Vegas, NV
-
Bank