Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 40.1 and a capital leverage ratio of 20.5. 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 2.9 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (44%), comm re (23%), home mtgs (12%), cash (5%), consumer loans (1%), comm loans (0%), other (15%)
States with Branches:
TX
Corporate Info
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2001 East Southeast Loop 323
Tyler, TX 75701
Tyler, TX 75701
(903) 581-1900
1920
Largest Affiliates
No affiliate information available.