Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.9. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (58%), securities (6%), cash (5%), comm loans (4%), home mtgs (4%), other (23%)
States with Branches:
NV
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
R. Dean Phillips Bank Trust Dated 11-19-2004
Investment Rating
--
Address
8620 West Tropicana Avenue
Las Vegas, NV 89147
Las Vegas, NV 89147
Phone Number
(702) 252-8777
Year Founded
2002
FDIC Number
Website
Largest Affiliates
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