Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 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 11.6. A current level of 2.0 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Comm re (42%), comm loans (17%), cash (7%), securities (6%), home mtgs (1%), other (27%)
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
Neighborhood Bancorp
Investment Rating
--
Address
2987 Jamacha Road
El Cajon, CA 92019
El Cajon, CA 92019
Phone Number
(619) 462-1253
Year Founded
1997
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.