Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.6) profitability. Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (53%), home mtgs (17%), securities (4%), other (26%)
Corporate Info
2919 East Mission Avenue
Spokane, WA 99202
Spokane, WA 99202
(509) 535-0191
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA