Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (35%), cash (18%), home mtgs (17%), comm re (13%), comm loans (4%), consumer loans (2%), other (9%)
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
No affiliate information available.