Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 26.2 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability.
Asset Mix:
Comm loans (26%), securities (23%), comm re (19%), cash (9%), consumer loans (5%), home mtgs (4%), 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
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