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 (4.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. A current level of 7.2 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Home mtgs (60%), securities (14%), comm re (9%), cash (8%), comm loans (1%), 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
360 8th Street
Oakland, CA 94607
Oakland, CA 94607
Phone Number
(510) 268-8108
Year Founded
1990
FDIC Number
Website
Largest Affiliates
No affiliate information available.