Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.7 percent of nonperforming loans to core capital combined with 14.7 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (40%), cash (5%), home mtgs (4%), comm re (3%), consumer loans (3%), comm loans (3%), other (42%)
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 Pioneer Bank Corp.
Investment Rating
--
Address
145 West Fourth Street
Wray, CO 80758
Wray, CO 80758
Phone Number
(970) 332-4824
Year Founded
1903
FDIC Number
Website
Largest Affiliates
Brush, CO
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Bank