Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Comm re (36%), securities (16%), consumer loans (9%), home mtgs (6%), comm loans (5%), cash (4%), home eq lns (1%), other (23%)
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
Community West Bancshares
Investment Rating
Address
10 East River Place E
Fresno, CA 93720
Fresno, CA 93720
Phone Number
(559) 298-1775
Year Founded
1980
FDIC Number
Website
Largest Affiliates
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