Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 10.7. 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).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability.
Asset Mix:
Comm re (29%), securities (25%), cash (9%), comm loans (7%), home mtgs (7%), consumer loans (4%), home eq lns (2%), other (18%)
States with Branches:
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
Pacific Financial Corporation
Investment Rating
Address
300 E market st
Aberdeen, WA 98520
Aberdeen, WA 98520
Phone Number
(360) 537-4052
Year Founded
1971
FDIC Number
Website
Largest Affiliates
No affiliate information available.