CTBC Bank Corp. (USA)

801 South Figueroa Street, Suite 2300
Los Angeles, CA 90017

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19416
Date Established 1965
Assets $3.45 billion
Loans $2.95 billion
Deposits $2.90 billion
Capital $0.48 billion

CTBC Bank Corp. (USA) is an FDIC insured institution located in Los Angeles, CA. It was founded in 1965 and has approximately $3.45 billion in assets. Customers can open an account at one of its 12 branches.

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.

Bank Loan Profile?

The top three loan types in CTBC Bank Corp. (USA)’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, 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 43.89
Multifamily
Mortgages
6.79
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.60
Construction and Development Loans 1.20
Commercial Real Estate 35.99
Commercial and Industrial Loans 10.75
Farm Loans 0.00

Deposit Rates - June 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,500 $24,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less
6 Mo CD
0.30% $1,500 $24,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
Special: 10 Mo CD
2.00% $10,000 - Learn MoreShow Less
12 Mo CD
0.25% $1,500 $24,999 Learn MoreShow Less
12 Mo CD
0.40% $100,000 - Learn MoreShow Less
24 Mo CD
0.40% $1,500 $24,999 Learn MoreShow Less
24 Mo CD
0.50% $100,000 - Learn MoreShow Less
36 Mo CD
0.75% $1,500 $24,999 Learn MoreShow Less
36 Mo CD
0.75% $100,000 - Learn MoreShow Less
48 Mo CD
1.11% $1,500 $24,999 Learn MoreShow Less
48 Mo CD
1.11% $100,000 - Learn MoreShow Less
60 Mo CD
1.17% $1,500 $24,999 Learn MoreShow Less
60 Mo CD
1.17% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $1,500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - June 24, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to CTBC Bank Corp. (USA)
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Ashburn,Virginia


CTBC Bank Corp. (USA) Locations


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
0.73% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, CTBC Bank Corp. (USA) had $3,792,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $480,007,000 in equity and $38,150,000 in loans loss reserves. That gives it a Texas Ratio of 0.73%.

Return on Equity
CTBC Bank Corp. (USA) U.S. Bank Average
8.64% 8.80%

CTBC Bank Corp. (USA) has a Return on Equity of 8.64% versus the BestCashCow average of 8.80%. 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
13.9% 12.29%

CTBC Bank Corp. (USA) has a Capitalization of 13.9% versus the BestCashCow average of 12.29. 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, 2018, CTBC Bank Corp. (USA) had assets of $3,454,180,000, loans of $2,948,187,000, and deposits of $2,897,298,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.32 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.95 billion
Loan loss allowance $0.04 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.14 billion
     Total Assets $2.97 billion
LIABILITIES
Total deposits $2.90 billion
      Interest-bearing deposits $2.25 billion
      Deposits held in domestic offices $2.90 billion
      % insured (estimated) 41.33%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $2.97 billion
      Shareholders’ Equity $0.48 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.15 billion
Total Interest Expense $0.03 billion
Net interest income $0.12 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.07 billion
Pre-tax Net Operating Income $0.05 billion

Frequently Asked Questions About Ctbc Bank Corp. (usa)

Branches and Savings

Is Ctbc Bank Corp. (usa) FDIC insured?

Yes. It is covered under FDIC Certificate #19416.

Why does Ctbc Bank Corp. (usa) pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ctbc Bank Corp. (usa) CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ctbc Bank Corp. (usa) a commercial bank?

Yes

Where are Ctbc Bank Corp. (usa) locations?

See branch locations nearby.

Is Ctbc Bank Corp. (usa) open on Saturdays?

Is Ctbc Bank Corp. (usa) open on Sundays?

What time does Ctbc Bank Corp. (usa) open?

What time does Ctbc Bank Corp. (usa) close?

Are Ctbc Bank Corp. (usa) ATMs Open 24/7?

Do Ctbc Bank Corp. (usa) ATMs accept cash deposits?

Can Ctbc Bank Corp. (usa) customers use other ATMs?

Do Ctbc Bank Corp. (usa) branches have notaries?

Will Ctbc Bank Corp. (usa) notarize my document?

What address for Ctbc Bank Corp. (usa) should I put for incoming ACH transfers?

Will the Ctbc Bank Corp. (usa) branch print checks?

Do Ctbc Bank Corp. (usa) checks expire?

Does Ctbc Bank Corp. (usa) require US citizenship to open account?

Can Ctbc Bank Corp. (usa) close my account?

Does Ctbc Bank Corp. (usa) Report to credit bureaus?

Does Ctbc Bank Corp. (usa) Use Equifax?

What is Ctbc Bank Corp. (usa)'s ACH Routing Number?

What is Ctbc Bank Corp. (usa)'s SWIFT code?

Products

Does Ctbc Bank Corp. (usa) offer mortgages?

Compare mortgage rates here.

Does Ctbc Bank Corp. (usa) offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ctbc Bank Corp. (usa) offer personal loans?

Compare personal loan rates here.

Does Ctbc Bank Corp. (usa) offer student loans?

Will Ctbc Bank Corp. (usa) cash a check?

Will Ctbc Bank Corp. (usa) redeem a savings bond?

Does Ctbc Bank Corp. (usa) cash savings bonds?

Will Ctbc Bank Corp. (usa) cash money orders?

Can Ctbc Bank Corp. (usa) issue a money order?

Does Ctbc Bank Corp. (usa) do currency exchange?

Background on The Bank

Who owns Ctbc Bank Corp. (usa)?

How long has Ctbc Bank Corp. (usa) been around?

Can Ctbc Bank Corp. (usa) transfer to other banks?

Does Ctbc Bank Corp. (usa) have quick pay?

Does Ctbc Bank Corp. (usa) accept rolled coins?

Will Ctbc Bank Corp. (usa) accept loose change?

Where is Ctbc Bank Corp. (usa) headquarters?

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