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). A current level of 4.5 percent of nonperforming loans to core capital combined with 14.7 percent from a year earlier contributes to the Fair asset quality (4.0).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability.
Asset Mix:
Comm loans (30%), comm re (15%), securities (9%), home mtgs (4%), cash (4%), consumer loans (4%), other (34%)
States with Branches:
OK, 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
Community Capital Bancorp, Inc.
Investment Rating
--
Address
15 South Douglas Avenue
Beaver, OK 73932
Beaver, OK 73932
Phone Number
(580) 625-4500
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.