| Weiss Ratings |
West Central Bank
Ashland, IL |
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| Rating | ||||
| Asset Quality Index | 3.00 | |||
| Capitalization Index | 9.90 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 4.80 | |||
| Company Info |
West Central Bank
Ashland, IL |
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| FDIC Number | 10853 | |||
| Phone Number | (217) 476-3325 | |||
| Website | www.westcentralbank.com | |||
| Asset Quality |
West Central Bank
Ashland, IL |
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| 1-Year Asset Growth | -1.86% | |||
| 5-Year Asset Growth | 3.95% | |||
| 5-Year Charge-Offs to Average Loans | 0.34% | |||
| Charge-Offs to Average Loans | 0.47% | |||
| Non-Performing Assets to Assets | 1.73% | |||
| Non-Performing Loans to Capital | 15.75% | |||
| Non-Performing Loans to Loans | 2.26% | |||
| Balance Sheet |
West Central Bank
Ashland, IL |
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| Total Assets | 246.49M | |||
| Total Deposits | 208.20M | |||
| Capital and Reserves |
West Central Bank
Ashland, IL |
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| Capital | 22.45M | |||
| Leverage Ratio | 10.95 | |||
| Loan Loss Reserves to Loans | 1.06% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
West Central Bank
Ashland, IL |
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| Hot Money Ratio | 26.30% | |||
| Liquidity Ratio | 25.44% | |||
| Profitability |
West Central Bank
Ashland, IL |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 2.62M | |||
| Net Interest Spread | 3.84% | |||
| Operating Profit to Average Assets | 1.07% | |||
| Overhead Efficiency Ratio | 65.54% | |||
| Return on Assets | 1.07% | |||
| Return on Equity | 12.96% | |||