Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.0 and a capital leverage ratio of 11.9. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.4) 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 (29%), cash (16%), comm re (13%), home mtgs (11%), comm loans (4%), consumer loans (3%), other (25%)
States with Branches:
CO
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
Alamosa Bancorporation, Ltd.
Investment Rating
--
Address
2225 Main Street
Alamosa, CO 81101
Alamosa, CO 81101
Phone Number
(719) 589-2564
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.