Vitals
  • Total Assets
    960.8M 15.5 %
  • Total Deposits
    845.9M 16.0 %
  • Total Net Loans
    812.1M 11.1 %
  • Net Income
    13.1M 14.7 %
  • Book Value
    97.8M 8.9 %
  • Book Value x2
    195.5M 8.9 %
  • Book Value x3
    293.3M 8.9 %
ROAA

1.472

ROAE

13.836

Efficiency Ratio

53.567

Net Interest Margin

5.517

Balance Sheet Highlights
Financial Highlights Western State Bank All Insured Commercial Banks in North Dakota
Balance Sheet $(000)
Total Assets 960,808 232,076
Total Net Loans 812,051 156,713
Total Deposits 845,876 198,811
Total Equity 97,753 23,476
Profitability
Net Income 13,071 3,002
Return on Average Assets 1.472 1.206
Return on Average Equity 13.836 11.39
Net Interest Margin 5.517 3.951
Efficiency Ratio 53.567 62.572
Noninterest Income/Revenue 11.238 15.037
Balance Sheet Ratios
Loan-to-Deposit 96.001 75.896
Securities/Assets .055 .19
Total Equity/Total Assets .102 .101
Tangible Equity/Tangible Assets .101 .097
Capital Adequacy
Tier 1 Common Capital 98,173 22,730
Tier 1 Capital 98,173 22,737
Tier 2 Capital 10,762 2,012
Total Capital 108,935 24,749
Total Risk Weighted Assets 857,843 176,189
Leverage Ratio 10.34 10.101
Common Equity Tier 1 Capital Ratio 11.44 13.897
Tier 1 Capital Ratio 11.44 13.902
Total Capital Ratio 12.7 14.995

Timeline for Western State Bank

Central Arizona Bank

Acquisition: Western State Bank acquired a new subsidiary, Central Arizona Bank, 10 years

View Profile May 15 2013

Western Insurance, Inc

Western Insurance, Inc became a new subsidiary organization for Western State Bank.

View Profile Sep 01 2000

Western Financial, Inc.

Western Financial, Inc. became a new subsidiary organization for Western State Bank.

View Profile Sep 01 1998

State Bank Of Towner

Acquisition: Western State Bank acquired a new subsidiary, State Bank Of Towner, 26 years

View Profile Jun 09 1997

Western Equipment Finance, Inc.

Western Equipment Finance, Inc. became a new subsidiary organization for Western State Bank.

View Profile Jan 01 1995

Want to see more?

Complete timeline for Western State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Central Arizona Bank Seller 31,550 Failure 5/15/2013
State Bank Of Towner Seller 39,984 Pooling of Interests Discontinued 6/9/1997
Relationships Role Relationship Start Relationship End
Western State Agency, Inc. Parent 6/9/1997
Western State Agency, Inc. Parent 4/25/1997 6/8/1997
Western State Agency, Inc. Parent 7/31/1996 4/24/1997
Western State Agency, Inc. Parent 12/31/1989 7/30/1996
Western State Agency, Inc. Parent 12/31/1982 12/30/1989
Western State Agency, Inc. Parent 12/31/1980 12/30/1982
Western State Agency, Inc. Parent 12/31/1979 12/30/1980
Western State Agency, Inc. Parent 12/31/1974 12/30/1979
Western State Agency, Inc. Parent 12/31/1970 12/30/1974
Western Insurance, Inc Subsidary 6/30/2007
Western Equipment Finance, Inc. Subsidary 6/30/2007
Western Financial, Inc. Subsidary 6/30/2007
Western Insurance, Inc Subsidary 9/1/2000 6/29/2007
Western Equipment Finance, Inc. Subsidary 1/1/1995 6/29/2007
Western Financial, Inc. Subsidary 9/1/1998 6/29/2007
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