Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 63.0 percent and a “hot money” ratio of 6.4 percent.
Asset Mix:
Cash (43%), comm re (17%), securities (13%), comm loans (12%), home mtgs (5%), consumer loans (3%), home eq lns (1%), other (6%)
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
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