Home Loan State Bank
Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 35.7 percent from a year earlier contributes to the Fair asset quality (4.4). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 8.4. Fair liquidity 4.7, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Securities (38%), cash (19%), comm re (9%), home mtgs (7%), comm loans (7%), home eq lns (2%), consumer loans (0%), other (18%)
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
Investment Rating
--
Address
205 North Fourth Street
Grand Junction, CO 81501
Grand Junction, CO 81501
Phone Number
(970) 243-6600
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.