Major Rating Factors:
Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.2 has resulted in Excellent (9.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 8.4. Fair liquidity 3.1, driven by a liquidity ratio of 6.8 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Consumer loans (54%), comm re (16%), home mtgs (10%), cash (6%), comm loans (5%), securities (1%), other (7%)
States with Branches:
OK, UT
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
Central Service Corporation
Investment Rating
--
Address
324 West Broadway Avenue
Enid, OK 73701
Enid, OK 73701
Phone Number
(580) 233-3535
Year Founded
1931
FDIC Number
Website
Largest Affiliates
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