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 (3.7 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.2 and a capital leverage ratio of 8.1.
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.5) profitability. A current level of 1.0 percent of nonperforming loans to core capital combined with 17.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Comm re (17%), cash (14%), home mtgs (12%), comm loans (11%), securities (2%), consumer loans (0%), other (43%)
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
Western Oklahoma Bancshares, Inc.
Investment Rating
--
Address
201 East Broadway Avenue
Elk City, OK 73644
Elk City, OK 73644
Phone Number
(580) 225-3434
Year Founded
1908
FDIC Number
Largest Affiliates
There are no affiliate to display.