Lamont Bank of St. John
Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.3) profitability. A current level of 12.5 percent of nonperforming loans to core capital combined with 13.4 percent from a year earlier contributes to the Weak asset quality (1.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 14.6 percent.
Asset Mix:
Securities (21%), consumer loans (14%), comm loans (4%), cash (4%), home mtgs (0%), other (57%)
States with Branches:
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
Investment Rating
--
Address
Six East Front Street
Saint John, WA 99171
Saint John, WA 99171
Phone Number
(509) 648-3636
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.