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 (3.7 on a scale of 0 to 10). A current level of 3.2 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.9 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (43%), home mtgs (33%), cash (11%), home eq lns (1%), comm loans (0%), other (12%)
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
Citizens Investment Company
Investment Rating
--
Address
9001 North Washington Street
Thornton, CO 80229
Thornton, CO 80229
Phone Number
(303) 452-5500
Year Founded
1963
FDIC Number
Website
Largest Affiliates
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