Major 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 (5.0 on a scale of 0 to 10). A current level of 3.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.5. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (51%), cash (12%), securities (9%), comm loans (4%), home mtgs (4%), other (20%)
States with Branches:
NV
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
West Point Bancorp, Inc.
Investment Rating
--
Address
8620 West Tropicana Avenue
Las Vegas, NV 89147
Las Vegas, NV 89147
Phone Number
(702) 252-8777
Year Founded
2002
FDIC Number
Website