Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 34.2 and a capital leverage ratio of 11.9. A current level of 1.9 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (7.0).
Asset Mix:
Securities (62%), cash (10%), comm re (5%), home mtgs (3%), comm loans (2%), consumer loans (1%), other (17%)
States with Branches:
AZ, 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
Lordsburg Financial Corporation
Investment Rating
--
Address
140 East Motel Drive
Lordsburg, NM 88045
Lordsburg, NM 88045
Phone Number
(575) 542-3521
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.