Major Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Good asset quality (5.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 4.8 has resulted in Excellent (7.2) profitability.
Asset Mix:
Comm re (26%), securities (13%), home mtgs (12%), cash (10%), home eq lns (4%), comm loans (4%), consumer loans (0%), other (31%)
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
High Plains Banking Group, Inc.
Investment Rating
--
Address
329 Main Avenue
Flagler, CO 80815
Flagler, CO 80815
Phone Number
(719) 765-4000
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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