Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.9.
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 (6.6 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Consumer loans (32%), home mtgs (14%), other (54%)
Largest Competitors
Denver, CO
Denver, CO
Denver, CO