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Washington Banking: Loans
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San Diego Union-Tribune - WASHINGTON Banking regulators on Friday completed guidelines that call on lenders to strictly evaluate borrowers’ ability to repay home loans. The guidance issued by the Federal Reserve and the other four federal agencies that regulate banks
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The median return on assets (ROA) (the measure of earnings in relation to all resources) among insured banks headquartered in Washington improved from 2001 to 2002. Net interest margins (NIMs) (the difference between the lower rates offered to savers and the higher rates charged on loans) widened during that period, contributing to the improvement in ROA ratios. However, median past-due loan levels increased from 1999 to 2002, particularly among Washington's community banks (those with assets under $1 billion). Agricultural banks experienced the most pressure with regard to past-due loan levels.
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Skagit State Bank began its operations in 1958 and is a state-chartered commercial bank with its headquarters in Burlington (Skagit County), Washington. The Bank provides a full range of banking services and products to both businesses and individuals through 13 full service banking offices located in Skagit, Whatcom, and Snohomish counties, including commercial real estate transactions and residential mortgage loans, deposit services and other general banking services.
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