A
California First National Bank
Irvine, CA
Data as of
June 30, 2021
Risk Based
Capital Ratio
102.35
Leverage
Ratio
36.27
Return On
Assets
-5.14%
Total
Assets
144.09M
Capital
45.70M
Total
Deposits
97.91M
Net
Income
-1.87M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 102.4 and a capital leverage ratio of 36.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors: A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.3). Fair liquidity 4.1, driven by a liquidity ratio of 109.4 percent and a “hot money” ratio of 14.0 percent.
Asset Mix: Cash (71%), securities (4%), other (25%)
States with Branches: CA
Asset Quality
Non-Performing Loans to Capital
0.00%
Non-Performing Assets to Assets
0.00%
Non-Performing Loans to Loans
0.00%
Loan Loss Reserves to Loans
0.98%
Charge-Offs to Average Loans
0.00%
5-Year Charge-Offs to Average Loans
0.06%
5-Year Asset Growth
-17.22%
1-Year Asset Growth
17.40%
Profitability
Operating Profit to Average Assets
-3.53%
Return on Equity
-11.01%
Net Interest Spread
1.00%
5-Year ROAA (Return on Average Assets)
2.31%
Overhead Efficiency Ratio
556.27%
Liquidity
Liquidity Ratio
109.35%
Hot Money
14.03%
Corporate Info
Group Affiliation
DMG Bancshares, Inc.
Investment Rating
--
Address
Four Executive Circle
Irvine, CA 92614
Phone Number
(800) 735-2465
Year Founded
2001
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings