Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 55.3 percent and a “hot money” ratio of 0.2 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.9) profitability.
Asset Mix:
Securities (41%), comm re (17%), consumer loans (6%), comm loans (6%), cash (3%), home mtgs (1%), other (26%)
States with Branches:
NV
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
Investment Rating
--
Address
210 Front Street
Caliente, NV 89008
Caliente, NV 89008
Phone Number
(775) 726-3135
Year Founded
1978
FDIC Number
Largest Affiliates
No affiliate information available.