Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 21.7 and a capital leverage ratio of 9.2.
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 40.5 percent and a “hot money” ratio of 6.5 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Securities (34%), home mtgs (15%), comm re (14%), cash (13%), consumer loans (7%), comm loans (1%), other (17%)
States with Branches:
AR, AZ, NM, 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
First Community Bancshares, Inc.
Investment Rating
--
Address
901 East Central Texas Expressway
Killeen, TX 76540
Killeen, TX 76540
Phone Number
(254) 554-6699
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.