First Credit Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 0.8 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 45.4 and a capital leverage ratio of 40.7. Operating profits as a percentage of assets at 6.2%, coupled with a return on assets of 6.0 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (47%), cash (16%), home mtgs (6%), securities (2%), home eq lns (1%), comm loans (1%), other (28%)
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
9255 West Sunset Boulevard
Los Angeles, CA 90069
Los Angeles, CA 90069
Phone Number
(310) 273-2500
Year Founded
1983
FDIC Number
Website
Largest Affiliates
No affiliate information available.