Major Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 8.2. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (5.0) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (17%), other (57%)
Largest Competitors
Denver, CO
Denver, CO
Denver, CO
Denver, CO