Major Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital combined with 13.1 percent from a year earlier contributes to the Fair asset quality (3.9). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.9 and a capital leverage ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (44%), comm loans (20%), cash (9%), securities (1%), consumer loans (1%), home mtgs (0%), other (25%)
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
3200 El Camino Real
Irvine, CA 92602
Irvine, CA 92602
Phone Number
(714) 389-9970
Year Founded
2005
FDIC Number
Largest Affiliates
No affiliate information available.