Washington State Bank
Major Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 6.1 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 (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 10.9. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.8) profitability.
Asset Mix:
Comm re (28%), home mtgs (23%), securities (15%), consumer loans (5%), cash (5%), comm loans (5%), other (18%)
States with Branches:
LA
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
Washington State Bancshares, Inc.
Investment Rating
--
Address
103 North Main Street
Washington, LA 70589
Washington, LA 70589
Phone Number
(337) 826-3641
Year Founded
1893
FDIC Number
Website
Largest Affiliates
No affiliate information available.