Welch State Bank of Welch, Okla.

Major Rating Factors: Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 2.7 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.6).

Other Rating Factors: Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).

Asset Mix: Securities (25%), home mtgs (18%), comm loans (5%), consumer loans (4%), comm re (4%), cash (2%), other (41%)

States with Branches: OK

Asset Quality

Non-Performing Loans to Capital

2.68%

Non-Performing Assets to Assets

0.34%

Non-Performing Loans to Loans

0.53%

Loan Loss Reserves to Loans

1.66%

Charge-Offs to Average Loans

0.07%

5-Year Charge-Offs to Average Loans

0.12%

5-Year Asset Growth

10.90%

1-Year Asset Growth

9.90%

Profitability

Operating Profit to Average Assets

1.54%

Return on Equity

18.40%

Net Interest Spread

4.42%

5-Year ROAA (Return on Average Assets)

1.81%

Overhead Efficiency Ratio

65.92%

Liquidity

Liquidity Ratio

22.88%

Hot Money

19.14%

Corporate Info

Group Affiliation

Welch Bancshares, Inc.

Investment Rating

Address

396 South Commercial Street
Welch, OK 74369

Phone Number

(918) 788-3373

Year Founded

1923

FDIC Number

9472

Website

http://www.welchstatebank.com

Largest Affiliates

No affiliate information available.