Major Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Fair asset quality (3.5). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (24%), comm re (17%), securities (16%), 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
1438 Webster Street
Oakland, CA 94612
Oakland, CA 94612
Phone Number
(510) 735-3531
Year Founded
2007
FDIC Number
Largest Affiliates
No affiliate information available.