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 (4.5 on a scale of 0 to 10). A current level of 12.4 percent of nonperforming loans to core capital combined with 16.5 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 10.8 and a capital leverage ratio of 8.0. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.3) profitability.
Asset Mix:
Comm re (26%), home mtgs (21%), securities (9%), cash (8%), comm loans (7%), consumer loans (2%), other (26%)
States with Branches:
TX
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 Sonora Bancshares, Inc.
Investment Rating
--
Address
102 East Main Street
Sonora, TX 76950
Sonora, TX 76950
Phone Number
(325) 387-3861
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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