Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.7 and a capital leverage ratio of 11.3. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Asset Mix:
Comm re (33%), securities (23%), cash (19%), comm loans (5%), home mtgs (2%), home eq lns (1%), other (17%)
States with Branches:
AZ
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
Western Arizona Bancorp, Inc.
Investment Rating
--
Address
2799 South Fourth Avenue
Yuma, AZ 85364
Yuma, AZ 85364
Phone Number
(928) 783-3334
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.