Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability. 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).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.2. A current level of 7.0 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Home mtgs (27%), securities (19%), comm re (17%), comm loans (5%), consumer loans (4%), home eq lns (3%), cash (2%), other (22%)
States with Branches:
OK
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
Vision Bancshares, Inc.
Investment Rating
--
Address
101 East Main Street
Ada, OK 74820
Ada, OK 74820
Phone Number
(580) 332-5132
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.