Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 52.4 and a capital leverage ratio of 19.5. A current level of 3.4 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (8.6).
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 (8.1 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 59.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Cash (49%), home mtgs (48%), other (3%)
States with Branches:
TX
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
Wells Fargo & Company
Investment Rating
Address
2005 Taylor Street
Houston, TX 77007
Houston, TX 77007
Phone Number
(713) 802-2717
Year Founded
1894
FDIC Number
Website
Largest Affiliates
Sioux Falls, SD
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Bank
Las Vegas, NV
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Salt Lake City, UT
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Wilmington, DE
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