Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 11.4. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Comm re (33%), securities (29%), cash (6%), home mtgs (4%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (21%)
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
BAC Financial Inc.
Investment Rating
--
Address
517 East Weber Avenue
Stockton, CA 95202
Stockton, CA 95202
Phone Number
(209) 473-6800
Year Founded
1965
FDIC Number
Website
Largest Affiliates
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