Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 8.3. Weak liquidity 2.5, driven by a liquidity ratio of 33.0 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Securities (16%), comm loans (12%), comm re (9%), home mtgs (6%), consumer loans (2%), cash (2%), other (53%)
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
AllNations Bancorporation, Inc.
Investment Rating
--
Address
114 East Main
Calumet, OK 73014
Calumet, OK 73014
Phone Number
(405) 893-2240
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.