Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.1 and a capital leverage ratio of 15.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (19%), comm re (13%), home eq lns (5%), consumer loans (5%), comm loans (3%), cash (2%), 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
Investment Rating
--
Address
101 South Sixth Street
Dolores, CO 81323
Dolores, CO 81323
Phone Number
(970) 882-7600
Year Founded
1959
FDIC Number
Website
Largest Affiliates
No affiliate information available.