Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability. A current level of 16.7 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Weak asset quality (1.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (25%), comm re (17%), securities (15%), cash (7%), comm loans (4%), home mtgs (2%), other (30%)
States with Branches:
CA, OR, WA
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
Beneficial State Foundation
Investment Rating
--
Address
2100 Franklin Street
Oakland, CA 94612
Oakland, CA 94612
Phone Number
(510) 735-3531
Year Founded
2007
FDIC Number
Largest Affiliates
There are no affiliate to display.