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Strategies & Market Trends : The Residential Real Estate Crash Index -- Ignore unavailable to you. Want to Upgrade?


To: ChanceIs who wrote (125987)5/29/2008 6:19:26 PM
From: PerspectiveRespond to of 306849
 
Any info on whether or not they're falling out of "investment grade" status? The Fed (so far) only accepts "investment grade" toilet paper.

`BC



To: ChanceIs who wrote (125987)5/29/2008 6:20:32 PM
From: Peter VRespond to of 306849
 
I'm a little confused. Somebody owns these wonderful CDOs, don't they? Why doesn't S&P tell us who owns these garbage bins full of stinky loans? That might give us an idea whose accounts are full of worthless junk.



To: ChanceIs who wrote (125987)5/29/2008 6:26:43 PM
From: Giordano BrunoRead Replies (3) | Respond to of 306849
 
Buy stocks stockcharts.com



To: ChanceIs who wrote (125987)5/30/2008 4:18:06 AM
From: PerspectiveRespond to of 306849
 
OK, I think I finally understand FDIC's website. Here are the worst performing 95 banks for the March quarter; all have losses for the latest quarter:

www4.fdic.gov


Cert State Class Pre-tax Return on Assets (% qtr) Total Assets($000) Institution Name City
Call/TFR Report?
57566 CA N -0.01% 214,180 Commerce National Bank Newport Beach
34579 CA NM -0.02% 131,600 California Oaks State Bank Thousand Oaks
58224 CA N -0.03% 57,718 Northern California National Bank Chico
33103 CA SA -0.05% 485,033 Gateway Bank, FSB San Francisco
26881 CA N -0.06% 97,311 Gold Country Bank, National Association Marysville
34548 CA N -0.09% 128,468 Neighborhood National Bank San Diego
57976 CA NM -0.10% 153,299 Desert Commercial Bank Palm Desert
34462 CA SM -0.17% 171,801 Mission Community Bank San Luis Obispo
35170 CA NM -0.22% 141,541 Community Bank of San Joaquin Stockton
33401 CA NM -0.34% 399,478 Metro United Bank San Diego
27197 CA NM -0.35% 1,172,207 Affinity Bank Ventura
57441 CA NM -0.44% 107,450 Ventura County Business Bank Oxnard
58321 CA NM -0.46% 188,726 1st Enterprise Bank Los Angeles
57893 CA NM -0.47% 66,462 MetroPacific Bank Irvine
57428 CA NM -0.48% 71,461 Seacoast Commerce Bank Chula Vista
57850 CA NM -0.50% 50,341 OJAI COMMUNITY BANK Ojai
58019 CA NM -0.53% 59,261 Coronado First Bank Coronado
58278 CA NM -0.70% 60,933 Golden Valley Bank Chico
57610 CA NM -0.73% 139,073 Redwood Capital Bank Eureka
25803 CA NM -0.74% 95,163 Rancho Santa Fe Thrift & Loan Association San Marcos
26704 CA NM -0.77% 195,125 Balboa Thrift and Loan Association Chula Vista
57966 CA NM -0.80% 81,821 First Choice Bank Cerritos
58304 CA NM -0.81% 75,744 San Diego Private Bank La Jolla
58310 CA NM -0.84% 99,092 US Metro Bank Garden Grove
57148 CA NM -0.88% 279,376 Professional Business Bank Pasadena
58191 CA NM -0.92% 86,367 Community 1st Bank Roseville
57198 CA NM -0.94% 81,849 American Premier Bank Arcadia
57989 CA NM -0.99% 65,618 Pan Pacific Bank Fremont
57734 CA N -1.07% 110,703 Excel National Bank Beverly Hills
57740 CA NM -1.14% 174,891 Pacific Valley Bank Salinas
58004 CA NM -1.18% 92,455 Tri-Valley Bank San Ramon
25667 CA NM -1.19% 1,478,909 Fireside Bank Pleasanton
33025 CA NM -1.20% 715,231 1st Centennial Bank Redlands
58098 CA NM -1.23% 63,077 Bank of Santa Barbara Santa Barbara
57637 CA NM -1.32% 64,277 Mother Lode Bank Sonora
32165 CA SA -1.50% 1,243,002 Los Padres Bank Solvang
58275 CA NM -1.57% 46,916 Atlantic Pacific Bank Santa Rosa
58281 CA NM -1.60% 79,611 American Riviera Bank Santa Barbara
58474 CA NM -1.66% 68,633 Focus Business Bank San Jose
58462 CA SM -1.74% 16,115 Capital Bank San Juan Capistrano
58218 CA NM -2.12% 49,205 Friendly Hills Bank Whittier
58329 CA NM -2.23% 170,377 New Resource Bank San Francisco
57944 CA NM -2.29% 153,122 First Standard Bank Los Angeles
57044 CA N -2.32% 80,096 First Business Bank, National Association San Diego
58291 CA NM -2.34% 29,193 Embarcadero Bank San Diego
58400 CA SM -2.36% 102,759 Alta Alliance Bank Oakland
58090 CA NM -2.37% 66,552 Fresno First Bank Fresno
24080 CA N -2.39% 84,326 Borrego Springs Bank, National Association La Mesa
58706 CA SA -2.52% 22,887 Wedbush Bank Los Angeles
58614 CA NM -2.56% 100,051 American Principle Bank San Luis Obispo
57885 CA NM -2.69% 50,743 First Vietnamese American Bank Westminster
58325 CA SM -2.72% 160,096 Presidio Bank San Francisco
58100 CA NM -2.78% 65,732 Plaza Bank Irvine
58234 CA NM -2.82% 53,357 Pacific Alliance Bank Rosemead
58411 CA NM -2.88% 41,551 Cornerstone Community Bank Red Bluff
58360 CA NM -2.99% 89,087 Americas United Bank Glendale
58212 CA NM -3.01% 34,782 Security First Bank Fresno
57974 CA N -3.18% 38,195 Saigon National Bank Westminster
58261 CA NM -3.27% 87,280 Premier Business Bank Los Angeles
58485 CA NM -3.47% 89,274 1st Capital Bank Monterey
29730 CA SA -3.51% 32,010,816 IndyMac Bank, F.S.B. Pasadena
58469 CA N -3.56% 40,257 American Plus Bank, N.A. Arcadia
58138 CA N -3.63% 49,497 Bank of Napa, N.A. Napa
23556 CA N -3.77% 2,326,862 Vineyard Bank, National Association Rancho Cucamonga
57914 CA N -3.88% 114,850 Pacific Coast National Bank San Clemente
58663 CA NM -3.94% 75,441 California Republic Bank Newport Beach
58349 CA NM -4.17% 69,753 PROMERICA Bank Los Angeles
58503 CA NM -4.34% 38,079 Folsom Lake Bank Folsom
58286 CA NM -4.36% 55,420 Stellar Business Bank Covina
58630 CA NM -4.79% 15,627 Bank of Feather River Yuba City
57961 CA N -4.90% 158,701 First Heritage Bank, N.A. Newport Beach
58297 CA NM -5.38% 82,581 Pinnacle Bank Gilroy
58438 CA NM -5.51% 37,643 Commerce Bank of Folsom Folsom
58487 CA NM -5.56% 24,220 Sunrise Community Bank Palm Desert
58415 CA SM -5.71% 52,650 Pacific Enterprise Bank Irvine
58583 CA NM -5.74% 80,042 California Bank of Commerce Lafayette
58647 CA SA -6.56% 43,536 First Foundation Bank Irvine
28536 CA SA -6.58% 7,083,638 First Federal Bank of California, a Federal Savings Bank Santa Monica
30968 CA SA -6.94% 13,130,348 Downey Savings and Loan Association, F.A. Newport Beach
32148 CA SM -7.15% 178,636 Community Banks of Northern California Tracy
58646 CA NM -7.76% 42,558 Lighthouse Bank Santa Cruz
58391 CA NM -7.96% 31,866 Golden Coast Bank Long Beach
25653 CA NM -7.97% 6,047,598 Fremont Investment & Loan Brea
58500 CA NM -9.44% 18,222 Community Valley Bank El Centro
58490 CA SA -9.52% 33,680 OneCalifornia Bank, FSB Oakland
58568 CA N -9.60% 48,526 Bank of Manhattan, N.A. El Segundo
58590 CA NM -9.71% 22,342 Commerce Bank of Temecula Valley Murrieta
58401 CA NM -11.06% 36,809 Mega Bank San Gabriel
58588 CA NM -11.68% 39,136 Partners Bank of California Mission Viejo
18255 CA NM -12.87% 141,008 BBVA Bancomer USA Diamond Bar
28344 CA SA -13.71% 4,103,786 PFF Bank & Trust Pomona
58390 CA NM -14.91% 13,096 Santa Ana Business Bank Santa Ana
23595 CA NM -18.82% 585,184 Security Pacific Bank Los Angeles
24841 CA NM -20.67% 659,732 First Private Bank & Trust Encino
24045 CA NM -21.10% 4,884,552 Pacific Western Bank San Diego


`BC



To: ChanceIs who wrote (125987)5/30/2008 4:23:15 AM
From: PerspectiveRespond to of 306849
 
Now, the interesting part comes when you click on one of the bank IDs. You can generate the performance ratios report, like this one for PFB.

I think the vital ratio is line 21/25. If NPA>Equity as it is here, then the bank is critical.


PFF Bank & Trust
399 North Garey Avenue
Pomona, CA 91767
FDIC Certificate #: 28344 Bank Charter Class: SA
Definition




PFF Bank & Trust PFF Bank & Trust
Pomona, CA Pomona, CA
31-Mar-08 31-Mar-07
Performance and Condition Ratios
1 N/A N/A % of unprofitable institutions
2 N/A N/A % of institutions with earnings gains
Performance Ratios (%, annualized) (Year-to-date) (Year-to-date)
3 6.37% 7.58% Yield on earning assets
4 3.43% 3.70% Cost of funding earning assets
5 2.93% 3.87% Net interest margin
6 0.63% 0.44% Noninterest income to earning assets
7 2.59% 2.12% Noninterest expense to earning assets
8 -9.25% 1.07% Net operating income to assets
9 -9.27% 1.06% Return on assets (ROA)
10 -13.71% 1.74% Pretax return on assets
11 -120.45% 12.12% Return on equity (ROE)
12 -120.45% -8.41% Retained earnings to average equity (YTD only)
13 11.91% 0.08% Net charge-offs to loans
14 131.96% 448.56% Credit loss provision to net charge-offs
15 0.08 27.93 Earnings coverage of net loan charge-offs (x)
16 72.57% 49.13% Efficiency ratio
17 5.19 5.58 Assets per employee ($ millions)
18 0 169.38% Cash dividends to net income (YTD only)
Condition Ratios (%)
19 2.67% 1.03% Loss allowance to loans
20 22.92% 388.90% Loss allowance to noncurrent loans
21 10.95% 0.24% Noncurrent assets plus other real estate owned to assets
22 11.65% 0.27% Noncurrent loans to loans
23 116.53% 121.38% Net loans and leases to deposits
24 163.57% 169.34% Net loans and leases to core deposits
25 6.71% 8.73% Equity capital to assets
26 6.68% 8.72% Core capital (leverage) ratio
27 7.73% 10.11% Tier 1 risk-based capital ratio
28 9.00% 11.21% Total risk-based capital ratio
Memoranda:
29 4,192,227 4,467,241 Average assets
30 3,956,860 4,261,085 Average earning assets
31 322,645 389,857 Average equity
32 3,895,088 4,051,953 Average loans

`BC