The Karnes County National Bank of Karnes City
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 21.5 and a capital leverage ratio of 10.8. A current level of 10.7 percent of nonperforming loans to core capital combined with 22.2 percent from a year earlier contributes to the Fair asset quality (4.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 35.3 percent and a “hot money” ratio of 20.6 percent.
Asset Mix:
Securities (46%), comm re (17%), home mtgs (5%), comm loans (5%), cash (4%), consumer loans (1%), other (22%)
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
Investment Rating
--
Address
301 East Calvert Street
Karnes City, TX 78118
Karnes City, TX 78118
Phone Number
(830) 780-3317
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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