American Business 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 1.6%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 10.4. A current level of 2.6 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Comm re (49%), securities (23%), comm loans (11%), cash (4%), home eq lns (2%), home mtgs (1%), consumer loans (0%), other (9%)
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
Investment Rating
--
Address
400 South Hope Street
Los Angeles, CA 90071
Los Angeles, CA 90071
Phone Number
(213) 430-4000
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.