Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Good asset quality (5.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.9) profitability.
Asset Mix:
Home mtgs (25%), comm re (24%), securities (12%), comm loans (9%), cash (8%), home eq lns (5%), consumer loans (0%), other (16%)
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
Integrity Capital Holdings, Inc.
Investment Rating
--
Address
1275 Village Ridge Point
Monument, CO 80132
Monument, CO 80132
Phone Number
(719) 484-0077
Year Founded
2003
FDIC Number
Largest Affiliates
There are no affiliate to display.