Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability.
Asset Mix:
Cash (29%), consumer loans (27%), comm re (19%), home mtgs (6%), comm loans (6%), home eq lns (2%), securities (1%), other (11%)
States with Branches:
ID, OR
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
BAWAG Group AG
Investment Rating
--
Address
475 East Deinhard Lane
McCall, ID 83638
McCall, ID 83638
Phone Number
(208) 634-1000
Year Founded
2005
FDIC Number
Website
Largest Affiliates
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