Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.2 and a capital leverage ratio of 16.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability. A current level of 8.7 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Securities (29%), home mtgs (23%), comm loans (10%), comm re (7%), consumer loans (3%), cash (1%), other (27%)
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
Hooker National Bancshares, Inc.
Investment Rating
--
Address
119 North Broadway Street
Hooker, OK 73945
Hooker, OK 73945
Phone Number
(580) 652-2448
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.