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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.3). Good liquidity 5.5, driven by a liquidity ratio of 51.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (72%), home mtgs (9%), cash (8%), consumer loans (3%), comm loans (1%), other (7%)
States with Branches:
NM, NY, TX
Corporate Info
The Charles Schwab Corporation
3000 Schwab Way
Westlake, TX 76262
Westlake, TX 76262
(775) 689-6800
2003
Largest Affiliates
Westlake, TX
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Bank