Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.3 and a capital leverage ratio of 11.2. A current level of 2.5 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (9.4).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 77.7 percent and a “hot money” ratio of 27.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Securities (63%), cash (5%), comm loans (3%), comm re (1%), consumer loans (0%), other (27%)
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
602 South First Street
Lamesa, TX 79331
Lamesa, TX 79331
Phone Number
(806) 872-5457
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.