Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 17.1 and a capital leverage ratio of 11.2. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Asset Mix:
Comm re (33%), securities (30%), home mtgs (5%), cash (4%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (22%)
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
No affiliate information available.