Major Rating Factors:
Very Weak current capitalization (0.4 on a scale of 0 to 10) based on a risk-based capital ratio of 8.9 and a capital leverage ratio of 3.6.
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 40.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (72%), cash (10%), securities (8%), consumer loans (2%), home eq lns (2%), comm re (1%), other (5%)
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
Investment Rating
--
Address
202 Duryea Street
Raymond, WA 98577
Raymond, WA 98577
Phone Number
(360) 942-3444
Year Founded
1925
FDIC Number
Website
Largest Affiliates
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