Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 9.6. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (13%), home mtgs (4%), other (83%)
Corporate Info
2100 East Route 66
Glendora, CA 91740
Glendora, CA 91740
(800) 343-6328
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