Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 19.3 and a capital leverage ratio of 10.8. A current level of 1.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (49%), comm re (12%), home mtgs (9%), cash (2%), comm loans (2%), home eq lns (1%), consumer loans (0%), 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
Whitcorp Financial Company
Investment Rating
--
Address
200 South Main Street
Lamar, CO 81052
Lamar, CO 81052
Phone Number
(719) 336-4351
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Garden City, KS
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Bank