Pacific Financial Balance Sheet Health
Financial Health criteria checks 6/6
Pacific Financial has total assets of $1.2B and total equity of $121.1M. Total deposits are $1.0B, and total loans are $690.1M. 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 $101.1M.
Key information
9.6x
Asset to equity ratio
4.4%
Net interest margin
| Total deposits | US$1.01b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$101.14m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PFLC's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: PFLC has a sufficient allowance for bad loans (782%).
Low Risk Liabilities: 98% of PFLC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PFLC has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: PFLC's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: PFLC has an appropriate level of bad loans (0.2%).