Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 8.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.2) profitability. A current level of 8.8 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Securities (21%), home mtgs (18%), comm loans (12%), comm re (11%), cash (6%), home eq lns (2%), other (30%)
States with Branches:
AZ, CA, CO, GA, IL, MA, MN, NV, NY, TX, VA, 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
Western Alliance Bancorporation
Investment Rating
Address
1 East Washington Street
Phoenix, AZ 85004
Phoenix, AZ 85004
Phone Number
(602) 389-3500
Year Founded
2003
FDIC Number
Largest Affiliates
Phoenix, AZ
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Bank