Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (38%), comm re (30%), cash (10%), comm loans (8%), home mtgs (5%), consumer loans (2%), other (7%)
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
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