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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.3.
Asset Mix:
Securities (24%), home mtgs (18%), comm re (16%), comm loans (6%), cash (5%), consumer loans (1%), home eq lns (1%), other (29%)
States with Branches:
CO, WY
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
Sturm Financial Group, Inc.
Investment Rating
--
Address
3033 East First Avenue
Denver, CO 80206
Denver, CO 80206
Phone Number
(303) 394-5143
Year Founded
1964
FDIC Number
Website
Largest Affiliates
No affiliate information available.