Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 30.3 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Securities (36%), comm re (17%), home mtgs (17%), cash (5%), consumer loans (2%), comm loans (1%), other (23%)
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
First La Grange Bancshares, Inc.
Investment Rating
--
Address
145 West Colorado Street
La Grange, TX 78945
La Grange, TX 78945
Phone Number
(979) 968-3136
Year Founded
1888
FDIC Number
Website
Largest Affiliates
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