Exchange Bank (Santa Rosa, CA)
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.7 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 (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (7.7). Fair liquidity 4.8, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 12.9 percent.
Asset Mix:
Securities (37%), comm re (24%), home mtgs (10%), cash (6%), comm loans (4%), home eq lns (3%), consumer loans (2%), other (15%)
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
Frank P. Doyle Trust
Investment Rating
--
Address
545 Fourth St.
Santa Rosa, CA 95401
Santa Rosa, CA 95401
Phone Number
(707) 524-3301
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.