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 (5.0 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 (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 9.3. A current level of 3.4 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Comm re (45%), securities (16%), comm loans (8%), cash (6%), home mtgs (2%), consumer loans (1%), home eq lns (1%), other (21%)
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
CBC Bancorp
Investment Rating
--
Address
19752 MacArthur Boulevard
Irvine, CA 92612
Irvine, CA 92612
Phone Number
(714) 431-7000
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.