Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 26.3 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Securities (42%), cash (19%), home mtgs (19%), comm re (7%), comm loans (2%), home eq lns (1%), consumer loans (1%), other (10%)
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
Centinel Bank Shares, Inc.
Investment Rating
--
Address
512 Paseo del Pueblo Sur
Taos, NM 87571
Taos, NM 87571
Phone Number
(575) 758-6700
Year Founded
1969
FDIC Number
Website
Largest Affiliates
No affiliate information available.