Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (9.1). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.2.
Asset Mix:
Home mtgs (37%), comm re (20%), securities (12%), cash (7%), comm loans (3%), home eq lns (1%), consumer loans (0%), other (20%)
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
CSBO Holdings, Inc.
Investment Rating
--
Address
600 Main Street
Ouray, CO 81427
Ouray, CO 81427
Phone Number
(970) 325-4478
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.