Major Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 17.8 percent from a year earlier contributes to the Fair asset quality (3.4). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 10.6 and a capital leverage ratio of 8.1.
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Comm loans (17%), comm re (13%), home mtgs (13%), cash (5%), securities (4%), consumer loans (1%), other (48%)
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.