Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.6) profitability. A current level of 15.9 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Fair asset quality (4.1).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Securities (23%), cash (17%), comm loans (15%), home mtgs (4%), comm re (3%), consumer loans (3%), other (35%)
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
The H. Pat Henson Company
Investment Rating
--
Address
621 Main Street
Maysville, OK 73057
Maysville, OK 73057
Phone Number
(405) 867-4485
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Blair, OK
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Bank