Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.1) profitability. A current level of 3.6 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Comm re (17%), cash (17%), home mtgs (15%), securities (9%), other (41%)
States with Branches:
WA
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
Pacific Crest Bancorp, Inc.
Investment Rating
--
Address
3500 188th Street, SW
Lynnwood, WA 98037
Lynnwood, WA 98037
Phone Number
(425) 670-9600
Year Founded
1998
FDIC Number
Website
Largest Affiliates
No affiliate information available.