Washington State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5. A current level of 3.4 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (57%), home mtgs (24%), comm re (5%), consumer loans (4%), comm loans (4%), cash (3%), other (4%)
States with Branches:
IL
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
R & B Management Corporation
Investment Rating
--
Address
1110 Peoria Street
Washington, IL 61571
Washington, IL 61571
Phone Number
(309) 444-2265
Year Founded
1948
FDIC Number
Largest Affiliates
No affiliate information available.