Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 10.2. A current level of 0.2 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other 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 (7.2 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 45.1 percent and a “hot money” ratio of 6.9 percent.
Asset Mix:
Cash (40%), comm re (20%), consumer loans (13%), home mtgs (8%), comm loans (6%), home eq lns (3%), securities (1%), other (10%)
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
No affiliate information available.