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). A current level of 1.0 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 23.8. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 2.2 has resulted in Excellent (8.0) profitability.
Asset Mix:
Comm re (24%), comm loans (16%), cash (12%), home mtgs (10%), securities (9%), home eq lns (1%), other (28%)
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.