Vitals
  • Total Assets
    159.5M 32.7 %
  • Total Deposits
    122.5M 43.1 %
  • Total Net Loans
    110.6M 24.5 %
  • Net Income
    -231000.0000 -271.1 %
  • Book Value
    35.7M 7.1 %
  • Book Value x2
    71.4M 7.1 %
  • Book Value x3
    107.0M 7.1 %
ROAA

-.572

ROAE

-2.582

Efficiency Ratio

72.541

Net Interest Margin

11.046

Balance Sheet Highlights
Financial Highlights Finance And Thrift Company All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 159,517 1,350,305
Total Net Loans 110,622 907,855
Total Deposits 122,459 1,083,319
Total Equity 35,675 176,578
Profitability
Net Income -231 3,433
Return on Average Assets -.572 .819
Return on Average Equity -2.582 6.94
Net Interest Margin 11.046 3.805
Efficiency Ratio 72.541 68.254
Noninterest Income/Revenue 14.07 14.213
Balance Sheet Ratios
Loan-to-Deposit 90.334 82.501
Securities/Assets .021 .147
Total Equity/Total Assets .224 .131
Tangible Equity/Tangible Assets .222 .119
Capital Adequacy
Tier 1 Common Capital 35,432 148,001
Tier 1 Capital 35,432 148,327
Tier 2 Capital 1,597 11,380
Total Capital 37,029 159,946
Total Risk Weighted Assets 125,700 979,178
Leverage Ratio 21.95 11.404
Common Equity Tier 1 Capital Ratio 28.19 14.885
Tier 1 Capital Ratio 28.19 15.003
Total Capital Ratio 29.46 16.189

Timeline for Finance And Thrift Company

Beneficial State Bank

Finance And Thrift Company was acquired by Beneficial State Bank 7 years

View Profile Jun 18 2016

Aug 01 2015

F&T Financial Services, Inc.

F&T Financial Services, Inc. became a new parent organization for Finance And Thrift Company.

View Profile Dec 31 2014

Finance And Thrift Company

Finance And Thrift Company was established 98 years ago and is currently headquartered in Porterville, CA.

Jul 09 1925
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Beneficial State Bank Buyer 641,077 Acquisition Discontinued 6/18/2016
Relationships Role Relationship Start Relationship End
F&T Financial Services, Inc. Parent 12/31/2014 6/17/2016
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