Westamerica Bancorporation Balance Sheet Health
Financial Health criteria checks 6/6
Westamerica Bancorporation has total assets of $6.2B and total equity of $909.0M. Total deposits are $5.1B, and total loans are $818.6M. It earns a Net Interest Margin of 4.4%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $502.9M.
Key information
6.8x
Asset to equity ratio
4.4%
Net interest margin
| Total deposits | US$5.07b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$502.95m |
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 (6.8x) is low.
Allowance for Bad Loans: WB1 has a sufficient allowance for bad loans (1667%).
Low Risk Liabilities: 96% 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 (16%) is appropriate.
Level of Bad Loans: WB1 has an appropriate level of bad loans (0.1%).