Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.6 and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 3.8%, coupled with a return on assets of 3.8 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Comm re (11%), cash (10%), comm loans (10%), home mtgs (9%), securities (7%), consumer loans (4%), 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
Erick Bancshares, Inc.
Investment Rating
--
Address
118 West Roger Miller Boulevard
Erick, OK 73645
Erick, OK 73645
Phone Number
(580) 526-3332
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.