Major Rating Factors:
A current level of 28.4 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Very Weak asset quality (0.0). Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 1.9 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 41.8 and a capital leverage ratio of 41.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Asset Mix:
Comm re (40%), cash (11%), home eq lns (6%), home mtgs (6%), comm loans (4%), other (33%)
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
Investment Rating
--
Address
24301 Southland Drive
Hayward, CA 94545
Hayward, CA 94545
Phone Number
(415) 399-8000
Year Founded
1980
FDIC Number
Website
Largest Affiliates
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