Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.2 and a net worth ratio of 17.2. 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 1.5 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (48%), securities (12%), home mtgs (11%), other (29%)
Corporate Info
3849 Antilley Road
Abilene, TX 79606
Abilene, TX 79606
(325) 677-2274
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX