Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.8) 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 (5.8 on a scale of 0 to 10). A current level of 23.4 percent of nonperforming loans to core capital combined with 18.2 percent from a year earlier contributes to the Fair asset quality (3.6).
Asset Mix:
Securities (26%), cash (17%), comm re (10%), home mtgs (7%), comm loans (4%), home eq lns (4%), consumer loans (0%), other (31%)
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
No affiliate information available.