WSB Financial Group Inc
WSB Financial Group, Inc. operates as the holding company for Westsound Bank that offers various commercial banking services to real estate developers, contractors, small to medium-sized businesses, individuals, professionals, and professional firms in Washington. The bank primarily generates deposits and originates loans. The bank's deposit products include interest bearing and noninterest beari… Read more
WSB Financial Group Inc - Asset Resilience Ratio
WSB Financial Group Inc (WSFGQ) has an Asset Resilience Ratio of 8.90% as of December 2008. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2008)
This chart shows how WSB Financial Group Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down WSB Financial Group Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $32.50 Million | 8.9% |
| Total Liquid Assets | $32.50 Million | 8.90% |
Asset Resilience Insights
- Limited Liquidity: WSB Financial Group Inc maintains only 8.90% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
WSB Financial Group Inc Industry Peers by Asset Resilience Ratio
Compare WSB Financial Group Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for WSB Financial Group Inc (2004–2008)
The table below shows the annual Asset Resilience Ratio data for WSB Financial Group Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2008-12-31 | 8.90% | $32.50 Million | $365.21 Million | -2.79pp |
| 2007-12-31 | 11.69% | $57.22 Million | $489.33 Million | +7.20pp |
| 2006-12-31 | 4.49% | $17.38 Million | $386.75 Million | -2.96pp |
| 2005-12-31 | 7.45% | $18.63 Million | $250.00 Million | +1.09pp |
| 2004-12-31 | 6.37% | $8.75 Million | $137.42 Million | -- |