California International Bank N.A
California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was founded in 2005 and is headquartered in Westminster, California.
California International Bank N.A (CAIB) - Net Assets
Latest net assets as of December 2007: $10.72 Million USD
Based on the latest financial reports, California International Bank N.A (CAIB) has net assets worth $10.72 Million USD as of December 2007.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($37.73 Million) and total liabilities ($27.02 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $10.72 Million |
| % of Total Assets | 28.4% |
| Annual Growth Rate | -0.2% |
| 5-Year Change | -3.39% |
| 10-Year Change | N/A |
| Growth Volatility | 10.3 |
California International Bank N.A - Net Assets Trend (2006–2024)
This chart illustrates how California International Bank N.A's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for California International Bank N.A (2006–2024)
The table below shows the annual net assets of California International Bank N.A from 2006 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $11.40 Million | +0.15% |
| 2023-12-31 | $11.38 Million | +1.06% |
| 2022-12-31 | $11.26 Million | -1.91% |
| 2021-12-31 | $11.48 Million | -2.69% |
| 2020-12-31 | $11.80 Million | -10.56% |
| 2019-12-31 | $13.19 Million | +23.07% |
| 2007-12-31 | $10.72 Million | -9.33% |
| 2006-12-31 | $11.82 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to California International Bank N.A's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 2572334300.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $38.83 Million | 340.76% |
| Other Components | $737.97K | 6.48% |
| Total Equity | $11.40 Million | 100.00% |
California International Bank N.A Competitors by Market Cap
The table below lists competitors of California International Bank N.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bradda Head Holdings Ltd
LSE:BHL
|
$736.65 |
|
Milisystem S.A.
WAR:MLM
|
$737.06 |
|
Coretech 5 Société anonyme
PA:MLCOT
|
$737.21 |
|
Aeorema Communications Plc
LSE:AEO
|
$738.77 |
|
Redco Textiles Ltd
KAR:REDCO
|
$734.06 |
|
Samcrete Misr
EGX:SMCS
|
$733.70 |
|
Dinewise Inc
PINK:DWIS
|
$732.73 |
|
KENGEN CO. PLC
XNAI:KENGEN
|
$732.70 |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in California International Bank N.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 11,378,613 to 11,395,492, a change of 16,879 (0.1%).
- Net income of 12,170 contributed positively to equity growth.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $12.17K | +0.11% |
| Other Changes | $4.71K | +0.04% |
| Total Change | $- | 0.15% |
Book Value vs Market Value Analysis
This analysis compares California International Bank N.A's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.20x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | $0.00 | $0.08 | x |
| 2007-12-31 | $0.00 | $0.08 | x |
| 2019-12-31 | $0.08 | $0.08 | x |
| 2020-12-31 | $0.07 | $0.08 | x |
| 2021-12-31 | $0.07 | $0.08 | x |
| 2022-12-31 | $0.07 | $0.08 | x |
| 2023-12-31 | $0.07 | $0.08 | x |
| 2024-12-31 | $0.07 | $0.08 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently California International Bank N.A utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.11%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.31%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 5.14x
- Recent ROE (0.11%) is above the historical average (-5.70%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | -10.68% | -220.63% | 0.03x | 1.78x | $-2.44 Million |
| 2007 | -11.80% | -187.96% | 0.02x | 3.52x | $-2.34 Million |
| 2019 | -7.89% | -33.45% | 0.07x | 3.26x | $-2.36 Million |
| 2020 | -11.84% | -55.27% | 0.03x | 6.66x | $-2.58 Million |
| 2021 | -2.72% | -8.58% | 0.04x | 7.84x | $-1.46 Million |
| 2022 | -1.84% | -5.53% | 0.07x | 4.91x | $-1.33 Million |
| 2023 | 1.03% | 2.41% | 0.09x | 4.93x | $-1.02 Million |
| 2024 | 0.11% | 0.31% | 0.07x | 5.14x | $-1.13 Million |
Industry Comparison
This section compares California International Bank N.A's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| California International Bank N.A (CAIB) | $10.72 Million | -10.68% | 2.52x | $736.64 |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |