El Dorado Savings Bank, F.S.B.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10). A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 52.3 and a capital leverage ratio of 12.7. Good liquidity 5.0, driven by a liquidity ratio of 78.5 percent and a “hot money” ratio of 19.1 percent.
Asset Mix:
Securities (45%), cash (28%), home mtgs (19%), home eq lns (2%), other (6%)
States with Branches:
CA, NV
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
4040 El Dorado Road
Placerville, CA 95667
Placerville, CA 95667
Phone Number
(530) 622-1492
Year Founded
1957
FDIC Number
Largest Affiliates
No affiliate information available.