Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 15.7. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
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). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (7.0) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (19%), securities (18%), other (27%)
Corporate Info
2211 North Bedell Avenue
Del Rio, TX 78840
Del Rio, TX 78840
(830) 774-2328
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