Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 17.6 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 10.3. Very Weak liquidity 0.2, driven by a liquidity ratio of 11.1 percent and a “hot money” ratio of 28.9 percent.
Asset Mix:
Comm re (55%), comm loans (29%), securities (8%), home mtgs (3%), cash (2%), other (3%)
States with Branches:
AZ, 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 Valley Bancorp, Inc.
Investment Rating
--
Address
2440 North Litchfield Road
Goodyear, AZ 85395
Goodyear, AZ 85395
Phone Number
(623) 536-9862
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.