Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.8 and a capital leverage ratio of 14.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.1 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (37%), comm re (18%), cash (6%), comm loans (3%), home mtgs (1%), consumer loans (0%), other (34%)
States with Branches:
KS, 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
Grace Investment Company, Inc.
Investment Rating
--
Address
518 College Avenue
Alva, OK 73717
Alva, OK 73717
Phone Number
(580) 327-3300
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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