C
Bank of America California, National Association
Rating Date
November 2023
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.2 and a capital leverage ratio of 14.6. A current level of 4.3 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix: Home mtgs (80%), cash (19%), other (1%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Bank of America Corporation
Investment Rating
Address
555 California Street
San Francisco, CA 94104
Phone Number
(925) 988-4801
Year Founded
1984
FDIC Number
Largest Affiliates
Weiss Ratings