Westamerica Bancorporation Balance Sheet Health
Financial Health criteria checks 6/6
Westamerica Bancorporation has total assets of $6.5B and total equity of $791.7M. Total deposits are $5.4B, and total loans are $828.8M. It earns a Net Interest Margin of 4.4%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $434.3M.
Key information
8.2x
Asset to equity ratio
4.4%
Net interest margin
Total deposits | US$5.35b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$434.25m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WB1's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: WB1 has a sufficient allowance for bad loans (1071%).
Low Risk Liabilities: 94% of WB1's liabilities are made up of primarily low risk sources of funding.
Loan Level: WB1 has an appropriate level of Loans to Assets ratio (13%).
Low Risk Deposits: WB1's Loans to Deposits ratio (15%) is appropriate.
Level of Bad Loans: WB1 has an appropriate level of bad loans (0.2%).