Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 3.0 and a net worth ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.2) profitability. Fair liquidity 4.5, driven by a liquidity ratio of 17.9 percent and a “hot money” ratio of 1.9 percent.
Asset Mix:
Consumer loans (37%), home mtgs (9%), other (54%)
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX