Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Home mtgs (37%), securities (19%), comm re (15%), comm loans (8%), cash (5%), consumer loans (4%), other (12%)
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
Paris Bancshares, Inc.
Investment Rating
--
Address
305 Lamar Avenue
Paris, TX 75460
Paris, TX 75460
Phone Number
(903) 785-5555
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.