Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 11.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Fair asset quality (3.4). Fair liquidity 3.2, driven by a liquidity ratio of 40.0 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Comm re (49%), cash (12%), securities (10%), comm loans (5%), home mtgs (4%), home eq lns (1%), other (20%)
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
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Address
7597 Monterey Street
Gilroy, CA 95020
Gilroy, CA 95020
Phone Number
(408) 842-8200
Year Founded
FDIC Number
Website
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