Case study analysis: bank of Washington

Case study analysis: bank of Washington

Introduction

Bank of Washington is one of the largest commercial bank known for providing excellent services to all of its potential customers. Bank of Washington is the subsidiary of U.S. Bancorp, whose head quarter is situated in Portland state, is viewed as one of the leading financial service provider, and holding company along the region of Northwest (Mason & Lawrence, 1991).

This financial service company is known for its excellent financial services across the country, and is involved in diversified financial services. For instance, because of strong mission and vision, statement the corporation has been able to provide customer unique services, in spite of these corporation is also involved in various international trade, and has maintained cordial relationship will all stakeholders, and shareholders of the corporation.

Discussion

Analysis of financial statement

Since its incorporation U.S Bancrop has provided exceptional services to its customers, which is extremely clear as its annual sales through its client has crossed $100 million. Corporation overall business is being divided in to diversified services for instance, various business unit of the corporation including Washington bank is providing quality banking services to clients, capital market group of corporation is involved in international, trade, merchant banking, and others.

The prime responsibility of the entire business unit was to provide banking service and thus, the market share of US bank of Oregon is 42%, US bank of California market share is 4% of overall banking deposit, and US bank of Washington market share is 14% of deposit market share. During the period of 1988, US Bancorp financial situation was strong, as its overall net income was around $150.8 million made the corporation largest banking operator across the USA. Further, due to excellent policies, and market report the corporation was able to earned 15.12% through their potential shareholders (Mason & Lawrence, 1991).

Companies choices of earning its income clearly explains the quality of its management as around 56% of its investment was on commercial loans of the same industry and in limited economy that shows the management trust in its banking operations (Beynon, 2008). However, approx 3 to 4 percent of its total investment was outside the banking industry, and during the period of 1989 corporation was able to increase its income from commercial loans at a considerable amount.

US banks through proper management has able to improve the position of their assets, and have able to reduce almost 1 percent of assets that were not properly performing. Further, because of sufficient cash reserves and enhancement in the quality of investment portfolio corporation was able to meet all the daily requirement of the all its business units, and was able to carter the emerging capital risk that majority of the others banks were facing.

Lending to Red hook and bank strategy

Before describing the strategy adopted by the bank of US it is extremely important to understand about the “The Redhook Ale Brewery” company. This company was inaugurated in the year 1981 by Paul Shipman, and Gordon ...