Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 2.0 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Securities (29%), comm re (26%), comm loans (18%), home mtgs (12%), cash (4%), home eq lns (2%), consumer loans (0%), other (8%)
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
Twin City Bancorp, Inc.
Investment Rating
--
Address
729 Vandercook Way
Longview, WA 98632
Longview, WA 98632
Phone Number
(360) 414-4101
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.