Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Asset Mix:
Comm re (31%), securities (28%), home mtgs (11%), comm loans (5%), cash (4%), consumer loans (3%), other (19%)
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
First of McAlester Corporation
Investment Rating
--
Address
235 East Choctaw Avenue
McAlester, OK 74501
McAlester, OK 74501
Phone Number
(918) 426-0211
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.