| Weiss Ratings |
West Central Bank
Ashland, IL |
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| Rating | ||||
| Asset Quality Index | 3.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 5.50 | |||
| 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 | -1.10% | |||
| 5-Year Asset Growth | 6.82% | |||
| 5-Year Charge-Offs to Average Loans | 0.34% | |||
| Charge-Offs to Average Loans | 0.38% | |||
| Non-Performing Assets to Assets | 0.98% | |||
| Non-Performing Loans to Capital | 17.33% | |||
| Non-Performing Loans to Loans | 1.28% | |||
| Balance Sheet |
West Central Bank
Ashland, IL |
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| Total Assets | 248.43M | |||
| Total Deposits | 204.46M | |||
| Capital and Reserves |
West Central Bank
Ashland, IL |
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| Capital | 22.53M | |||
| Leverage Ratio | 11.15 | |||
| Loan Loss Reserves to Loans | 0.74% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
West Central Bank
Ashland, IL |
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| Hot Money Ratio | 26.75% | |||
| Liquidity Ratio | 25.14% | |||
| Profitability |
West Central Bank
Ashland, IL |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 2.42M | |||
| Net Interest Spread | 3.78% | |||
| Operating Profit to Average Assets | 1.31% | |||
| Overhead Efficiency Ratio | 65.76% | |||
| Return on Assets | 1.31% | |||
| Return on Equity | 16.42% | |||