Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 39.1 and a capital leverage ratio of 15.9. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Asset Mix:
Cash (54%), comm re (16%), securities (7%), comm loans (7%), home mtgs (4%), consumer loans (1%), other (12%)
States with Branches:
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
Security State Corporation
Investment Rating
--
Address
1930 South Gold Street
Centralia, WA 98531
Centralia, WA 98531
Phone Number
(360) 736-0763
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.