Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). A current level of 6.8 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Securities (41%), comm re (32%), comm loans (9%), home mtgs (6%), consumer loans (3%), cash (2%), other (8%)
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
First Flo Corporation
Investment Rating
--
Address
101 East Main Street
Florence, CO 81226
Florence, CO 81226
Phone Number
(719) 784-6316
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.