Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 9.8.
Other 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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Fair (4.7) profitability.
Asset Mix:
Comm re (29%), securities (21%), cash (16%), home mtgs (13%), comm loans (7%), consumer loans (1%), home eq lns (1%), other (12%)
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
Community First Bancorporation, Inc.
Investment Rating
--
Address
6401 West Clearwater Avenue
Kennewick, WA 99336
Kennewick, WA 99336
Phone Number
(509) 783-3435
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.