CTBC Bank Corp. (USA)

Headquarters

801 South Figueroa Street, Suite 2300
Los Angeles, CA 90017
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.02% →
1-Year CD 0.60% 1.45% →
2-Year CD 0.40% 2.31% →
5-Year CD N.A. 3.00% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

CTBC Bank Corp. (USA) is an FDIC insured institution located in Los Angeles, CA. It was founded in 1965 and has approximately $4.33 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 19416
Date Established 1965
Assets $ 4.33 billion
Loans $ 3.45 billion
Deposits $ 3.68 billion
Capital $ 600.62 million
 

For a more detailed analysis of CTBC Bank Corp. (USA)'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 20, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.50% $50,000 - Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.60% $5,000 - Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More

 

Loan Rates - May 20, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CTBC Bank Corp. (USA)

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
4.975% 4.875%
0.75 points
$2,870 fees
$1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to CTBC Bank Corp. (USA)
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Branches

CTBC Bank Corp. (USA) branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


CTBC Bank Corp. (USA) Locations



Climate Initiatives

CTBC Bank Corp. (USA) is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

CTBC Bank Corp. (USA) Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CTBC Bank Corp. (USA). The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CTBC Bank Corp. (USA) U.S. Bank Average
4.71% 3.95%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2021, CTBC Bank Corp. (USA) had $30,087,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $600,621,000 in equity and $37,657,000 in loans loss reserves. That gives it a Texas Ratio of 4.71%.

Return on Equity
CTBC Bank Corp. (USA) U.S. Bank Average
7.86% 10.50%

CTBC Bank Corp. (USA) has a Return on Equity of 7.86% versus the BestCashCow average of 10.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
CTBC Bank Corp. (USA) U.S. Bank Average
13.87% 11.55%

CTBC Bank Corp. (USA) has a Capitalization of 13.87% versus the BestCashCow average of 11.55. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CTBC Bank Corp. (USA) Balance Sheet Analysis

As of December 31, 2021, CTBC Bank Corp. (USA) had assets of $4,329,500,000, loans of $3,454,651,000, and deposits of $3,680,808,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 423.66 million
Interest-bearing balances $ 416.20 million
Total securities $ 258.08 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.45 billion
Loan loss allowance $ 37.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.67 million
All other assets $ 159.10 million
     Total Assets $ 3.73 billion
LIABILITIES
Total deposits $ 3.68 billion
      Interest-bearing deposits $ 2.81 billion
      Deposits held in domestic offices $ 3.68 billion
      % insured (estimated) 35.38%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 24.63 million
Subordinated debt N.A.
All other liabilities $ 23.45 million
      Total Liabilities $ 3.73 billion
      Shareholders’ Equity $ 600.62 million

Summary Income Statement

December 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 140.99 million
Total Interest Expense $ 16.04 million
Net interest income $ 124.95 million
Provision for loan and lease losses $ 0.41 million
Total non interest income $ 14.55 million
Total non interest expense $ 77.19 million
Pre-tax Net Operating Income $ 61.89 million

Bank Loan Profile?

The top three loan types in CTBC Bank Corp. (USA)’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in California, CTBC Bank Corp. (USA) has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.44
Multifamily
Mortgages
11.15
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.13
Construction and Development Loans 1.14
Commercial Real Estate 40.92
Commercial and Industrial Loans 11.53
Farm Loans 0.00

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