Major Rating Factors:
A current level of 25.1 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Weak asset quality (1.3). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.3 and a capital leverage ratio of 8.1.
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Comm loans (14%), home mtgs (13%), comm re (12%), securities (7%), cash (6%), consumer loans (1%), other (47%)
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
No affiliate information available.