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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 34.4 and a capital leverage ratio of 9.3.
Asset Mix:
Cash (43%), securities (18%), consumer loans (9%), home mtgs (8%), comm loans (5%), comm re (1%), other (15%)
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
101 East Lipan Road
Lipan, TX 76462
Lipan, TX 76462
Phone Number
(254) 646-2244
Year Founded
1907
FDIC Number
Largest Affiliates
No affiliate information available.