Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 230.1 and a capital leverage ratio of 20.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent liquidity 7.6, driven by a liquidity ratio of 16.9 percent and a “hot money” ratio of 13.1 percent.
Asset Mix:
Securities (82%), cash (6%), home mtgs (4%), comm re (2%), comm loans (1%), other (6%)
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
Largest Affiliates
Las Vegas, NV
-
Bank