Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 0.0 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Excellent asset quality (7.0).
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 (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (29%), comm re (25%), comm loans (19%), home mtgs (11%), cash (4%), home eq lns (1%), consumer loans (0%), other (11%)
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.