Major Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 18.8 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 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 (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm loans (23%), comm re (22%), cash (8%), consumer loans (6%), home mtgs (5%), home eq lns (1%), other (12%)
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
Century Financial Services Corporation
Investment Rating
--
Address
100 South Federal Place
Santa Fe, NM 87501
Santa Fe, NM 87501
Phone Number
(505) 995-1200
Year Founded
1887
FDIC Number
Website
Largest Affiliates
No affiliate information available.