Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.8) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.0 and a capital leverage ratio of 8.4.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (24%), home eq lns (16%), cash (11%), comm loans (6%), securities (5%), other (11%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Fremont Bancorporation
Investment Rating
--
Address
39150 Fremont Boulevard
Fremont, CA 94538
Fremont, CA 94538
Phone Number
(510) 203-1771
Year Founded
1964
FDIC Number
Website
Largest Affiliates
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