Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.0). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 9.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Cash (35%), comm re (30%), home mtgs (15%), securities (4%), home eq lns (3%), comm loans (1%), other (12%)
States with Branches:
CA, TN
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
C3 Bancorp
Investment Rating
--
Address
850 South Coast Highway 101
Encinitas, CA 92024
Encinitas, CA 92024
Phone Number
(760) 759-1130
Year Founded
1981
FDIC Number
Website
Largest Affiliates
No affiliate information available.