Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.9 and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability.
Asset Mix:
Cash (41%), home mtgs (12%), comm re (11%), securities (8%), comm loans (2%), consumer loans (1%), other (25%)
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 Thomas Ban Corp.
Investment Rating
--
Address
301 West Broadway
Thomas, OK 73669
Thomas, OK 73669
Phone Number
(580) 661-3515
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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