Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Good asset quality (5.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Securities (32%), home mtgs (18%), cash (17%), comm re (13%), comm loans (5%), consumer loans (2%), other (13%)
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
James Polk Stone Community BancShares, Inc.
Investment Rating
--
Address
109 East Second Street
Portales, NM 88130
Portales, NM 88130
Phone Number
(575) 356-6601
Year Founded
1906
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.