Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 11.7. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), home mtgs (22%), cash (14%), comm loans (8%), securities (5%), consumer loans (1%), other (24%)
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
The 2013 Monte Hulse Family Irrevocable Trust I
Investment Rating
--
Address
1835 North Valley Mills Drive
Waco, TX 76710
Waco, TX 76710
Phone Number
(254) 772-9330
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.