Hatch 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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 36.7 and a capital leverage ratio of 26.4. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (57%), securities (24%), cash (12%), comm loans (6%), home mtgs (1%), 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
Corporate Info
Group Affiliation
Semperverde Holding Co
Investment Rating
--
Address
1001 West San Marcos Boulevard
San Marcos, CA 92078
San Marcos, CA 92078
Phone Number
(760) 736-2000
Year Founded
1982
FDIC Number
Website
Largest Affiliates
Conshohocken, PA
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Bank