Western State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 10.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). A current level of 3.4 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Securities (30%), comm loans (16%), home mtgs (8%), comm re (8%), cash (2%), consumer loans (1%), home eq lns (1%), other (35%)
States with Branches:
KS
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
Whitcorp Financial Company
Investment Rating
--
Address
1500 East Kansas Avenue
Garden City, KS 67846
Garden City, KS 67846
Phone Number
(620) 275-4128
Year Founded
1973
FDIC Number
Website
Largest Affiliates
Lamar, CO
-
Bank