Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 13.7. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Asset Mix:
Comm re (27%), securities (11%), comm loans (6%), home mtgs (5%), cash (4%), home eq lns (3%), consumer loans (0%), other (43%)
States with Branches:
UT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
BOU Bancorp, Inc.
Investment Rating
--
Address
2605 Washington Boulevard
Ogden, UT 84401
Ogden, UT 84401
Phone Number
(801) 409-5001
Year Founded
1952
FDIC Number
Website
Largest Affiliates
No affiliate information available.
