Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.8 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). A current level of 12.1 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Securities (25%), cash (12%), comm loans (10%), home mtgs (10%), comm re (7%), consumer loans (0%), other (36%)
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
AHB Bancshares, Inc.
Investment Rating
--
Address
3300 North Prince Street
Clovis, NM 88101
Clovis, NM 88101
Phone Number
(575) 762-2800
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.