Major 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 (5.0 on a scale of 0 to 10). A current level of 1.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability.
Asset Mix:
Comm re (33%), securities (18%), comm loans (13%), cash (6%), home mtgs (1%), other (29%)
States with Branches:
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
WestStar Bank Holding Company, Inc.
Investment Rating
--
Address
601 North Mesa Street
El Paso, TX 79901
El Paso, TX 79901
Phone Number
(915) 532-1000
Year Founded
1990
FDIC Number
Website
Largest Affiliates
No affiliate information available.