Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (5.8). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.2.
Asset Mix:
Securities (21%), comm re (21%), home mtgs (14%), comm loans (14%), cash (4%), home eq lns (3%), consumer loans (1%), other (21%)
States with Branches:
ID, OR, WA
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
W.T.B. Financial Corporation
Investment Rating
--
Address
717 West Sprague Avenue
Spokane, WA 99201
Spokane, WA 99201
Phone Number
(509) 353-4204
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.