Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability.
Asset Mix:
Comm re (38%), securities (34%), comm loans (5%), home mtgs (5%), cash (3%), consumer loans (2%), home eq lns (2%), other (11%)
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
200 North School Street
Ukiah, CA 95482
Ukiah, CA 95482
Phone Number
(707) 462-6613
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.