Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.9 and a capital leverage ratio of 18.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Fair liquidity 3.4, driven by a liquidity ratio of 34.5 percent and a “hot money” ratio of 25.9 percent.
Asset Mix:
Securities (34%), comm re (20%), cash (10%), home mtgs (7%), comm loans (4%), home eq lns (2%), consumer loans (1%), other (23%)
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
First Southwest Bancorporation, Inc.
Investment Rating
--
Address
720 Main Street
Alamosa, CO 81101
Alamosa, CO 81101
Phone Number
(719) 587-4200
Year Founded
2004
FDIC Number
Website
Largest Affiliates
No affiliate information available.