Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 33.7 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Securities (20%), home mtgs (15%), comm loans (10%), comm re (7%), consumer loans (5%), cash (4%), home eq lns (3%), other (37%)
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
HOTC Investment Co.
Investment Rating
--
Address
300 Clay Street
Wray, CO 80758
Wray, CO 80758
Phone Number
(970) 332-4111
Year Founded
1977
FDIC Number
Website
Largest Affiliates
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