Western State Bank
| Weiss Ratings |
Western State Bank
Devils Lake, ND |
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| Rating | ||||
| Asset Quality Index | 5.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.70 | |||
| Profitability Index | 9.90 | |||
| Stability Index | 4.30 | |||
| Company Info |
Western State Bank
Devils Lake, ND |
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| FDIC Number | 9123 | |||
| Phone Number | (701) 662-4936 | |||
| Website | www.westernbanks.com | |||
| Asset Quality |
Western State Bank
Devils Lake, ND |
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| 1-Year Asset Growth | 3.02% | |||
| 5-Year Asset Growth | 13.51% | |||
| 5-Year Charge-Offs to Average Loans | 0.28% | |||
| Charge-Offs to Average Loans | 0.27% | |||
| Non-Performing Assets to Assets | 0.81% | |||
| Non-Performing Loans to Capital | 5.46% | |||
| Non-Performing Loans to Loans | 0.90% | |||
| Balance Sheet |
Western State Bank
Devils Lake, ND |
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| Total Assets | 2.49B | |||
| Total Deposits | 2.11B | |||
| Capital and Reserves |
Western State Bank
Devils Lake, ND |
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| Capital | 332.06M | |||
| Leverage Ratio | 13.19 | |||
| Loan Loss Reserves to Loans | 1.80% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Western State Bank
Devils Lake, ND |
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| Hot Money Ratio | 27.75% | |||
| Liquidity Ratio | 8.65% | |||
| Profitability |
Western State Bank
Devils Lake, ND |
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| 5-Year Return on Average Assets | 1.89% | |||
| Net Income | 25.52M | |||
| Net Interest Spread | 5.25% | |||
| Operating Profit to Average Assets | 2.68% | |||
| Overhead Efficiency Ratio | 47.04% | |||
| Return on Assets | 2.02% | |||
| Return on Equity | 15.90% | |||