Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Comm re (21%), home mtgs (20%), securities (18%), comm loans (9%), home eq lns (4%), cash (3%), consumer loans (2%), other (23%)
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
Platte Valley Financial Service Companies, Inc.
Investment Rating
--
Address
461 Main Street
Walden, CO 80480
Walden, CO 80480
Phone Number
(970) 723-8221
Year Founded
1955
FDIC Number
Website
Largest Affiliates
Scottsbluff, NE
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Bank
Torrington, WY
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Bank