Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.4 and a capital leverage ratio of 22.6. A current level of 0.9 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Comm re (35%), home mtgs (26%), cash (11%), comm loans (5%), securities (4%), other (19%)
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
First Financial Holding Co., Ltd.
Investment Rating
--
Address
200 East Main Street
Alhambra, CA 91801
Alhambra, CA 91801
Phone Number
(626) 300-6000
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.