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 (4.0 on a scale of 0 to 10). A current level of 27.2 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. Very Weak liquidity 0.1, driven by a liquidity ratio of 11.0 percent and a “hot money” ratio of 51.3 percent.
Asset Mix:
Home mtgs (62%), comm re (14%), securities (11%), cash (4%), comm loans (2%), other (8%)
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
Investment Rating
--
Address
388 9th Street
Oakland, CA 94607
Oakland, CA 94607
Phone Number
(510) 268-8108
Year Founded
1990
FDIC Number
Website
Largest Affiliates
No affiliate information available.