Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.9 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Cash (27%), home mtgs (22%), comm re (15%), comm loans (11%), home eq lns (10%), consumer loans (2%), securities (2%), other (11%)
States with Branches:
ID, 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
Twin River Financial Corp.
Investment Rating
--
Address
1507 G Street
Lewiston, ID 83501
Lewiston, ID 83501
Phone Number
(208) 746-4848
Year Founded
1979
FDIC Number
Website
Largest Affiliates
No affiliate information available.