Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 9.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Excellent (9.8) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 9.5.
Asset Mix:
Securities (30%), comm re (23%), home mtgs (17%), cash (11%), comm loans (9%), consumer loans (0%), other (9%)
States with Branches:
NM
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
Western Commerce Bancshares of Carlsbad, Inc.
Investment Rating
--
Address
127 South Canyon Street
Carlsbad, NM 88220
Carlsbad, NM 88220
Phone Number
(575) 887-6686
Year Founded
1961
FDIC Number
Website
Largest Affiliates
No affiliate information available.