Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Weak liquidity 2.9, driven by a liquidity ratio of 21.5 percent and a “hot money” ratio of 31.4 percent.
Asset Mix:
Securities (27%), cash (15%), comm re (13%), home mtgs (7%), comm loans (5%), home eq lns (4%), consumer loans (0%), other (29%)
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
Farmers Bank Holding Company
Investment Rating
--
Address
119 First Street
Ault, CO 80610
Ault, CO 80610
Phone Number
(970) 834-2121
Year Founded
2001
FDIC Number
Website
Largest Affiliates
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