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 10.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.9 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (46%), home mtgs (29%), cash (9%), home eq lns (1%), comm loans (0%), other (14%)
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
No affiliate information available.