Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.5. A current level of 2.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (34%), home mtgs (18%), comm re (14%), consumer loans (5%), comm loans (4%), cash (4%), other (21%)
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
International Bancshares of Oklahoma, Inc.
Investment Rating
--
Address
401 Elm Street
Yukon, OK 73099
Yukon, OK 73099
Phone Number
(405) 354-5281
Year Founded
1912
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.