Development
Western State Bank
| Weiss Ratings |
Western State Bank
Garden City, KS |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 6.30 | |||
| Company Info |
Western State Bank
Garden City, KS |
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| FDIC Number | 21121 | |||
| Phone Number | (620) 275-4128 | |||
| Website | www.wsbks.com | |||
| Asset Quality |
Western State Bank
Garden City, KS |
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| 1-Year Asset Growth | 11.12% | |||
| 5-Year Asset Growth | 9.54% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | -0.11% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.26% | |||
| Non-Performing Loans to Loans | 0.06% | |||
| Balance Sheet |
Western State Bank
Garden City, KS |
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| Total Assets | 707.27M | |||
| Total Deposits | 618.87M | |||
| Capital and Reserves |
Western State Bank
Garden City, KS |
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| Capital | 61.05M | |||
| Leverage Ratio | 10.35 | |||
| Loan Loss Reserves to Loans | 1.98% | |||
| Risk-Based Capital Ratio | 13.37 | |||
| Liquidity |
Western State Bank
Garden City, KS |
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| Hot Money Ratio | 22.29% | |||
| Liquidity Ratio | 19.12% | |||
| Profitability |
Western State Bank
Garden City, KS |
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| 5-Year Return on Average Assets | 2.03% | |||
| Net Income | 15.31M | |||
| Net Interest Spread | 4.58% | |||
| Operating Profit to Average Assets | 2.34% | |||
| Overhead Efficiency Ratio | 42.15% | |||
| Return on Assets | 2.26% | |||
| Return on Equity | 27.82% | |||