The First National Bank of Hughes Springs
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.6) profitability. A current level of 13.4 percent of nonperforming loans to core capital combined with 14.7 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Home mtgs (22%), cash (20%), comm re (11%), securities (10%), comm loans (9%), consumer loans (4%), other (24%)
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
Chalybeate Springs Corporation
Investment Rating
--
Address
505 East First Street
Hughes Springs, TX 75656
Hughes Springs, TX 75656
Phone Number
(903) 639-2521
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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