Major Rating Factors:
Very Weak current capitalization (0.4 on a scale of 0 to 10) based on a risk-based capital ratio of 20.0 and a capital leverage ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability. Fair liquidity 3.5, driven by a liquidity ratio of 63.6 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Securities (38%), comm re (18%), cash (14%), comm loans (10%), home mtgs (3%), home eq lns (3%), other (13%)
States with Branches:
AZ
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
Community Bancshares, Inc.
Investment Rating
--
Address
2439 Hualapai Mountain Road
Kingman, AZ 86401
Kingman, AZ 86401
Phone Number
(928) 718-5555
Year Founded
2001
FDIC Number
Largest Affiliates
No affiliate information available.