Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 11.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 17.4 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Weak asset quality (2.5). Weak liquidity 2.5, driven by a liquidity ratio of 36.8 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Comm re (52%), cash (10%), securities (10%), comm loans (6%), home mtgs (4%), home eq lns (1%), other (18%)
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
7597 Monterey Street
Gilroy, CA 95020
Gilroy, CA 95020
Phone Number
(408) 842-8200
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.