EverTrust 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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 23.4. A current level of 1.0 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Comm re (28%), comm loans (15%), home mtgs (9%), securities (9%), cash (8%), home eq lns (2%), other (29%)
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
O-Bank Co., Ltd.
Investment Rating
--
Address
13191 Crossroads Parkway North
City of Industry, CA 91746
City of Industry, CA 91746
Phone Number
(626) 993-3800
Year Founded
1995
FDIC Number
Website
Largest Affiliates
No affiliate information available.