Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 10.1.
Asset Mix:
Home mtgs (44%), securities (8%), comm re (6%), cash (4%), other (38%)
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
Provident Financial Holdings, Inc.
Investment Rating
Address
3756 Central Avenue
Riverside, CA 92506
Riverside, CA 92506
Phone Number
(951) 686-6060
Year Founded
1956
FDIC Number
Website
Largest Affiliates
No affiliate information available.