Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.4) profitability. A current level of 8.8 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Comm re (33%), securities (29%), home mtgs (12%), comm loans (4%), cash (3%), consumer loans (2%), other (18%)
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.