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 (4.3 on a scale of 0 to 10). A current level of 4.0 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (8.4) profitability. Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 9.8.
Asset Mix:
Comm re (45%), securities (13%), comm loans (12%), consumer loans (5%), cash (3%), home mtgs (1%), other (21%)
States with Branches:
AZ, CA, FL, ID, 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
H Bancorp LLC
Investment Rating
--
Address
10011 Centennial Parkway
Sandy, UT 84070
Sandy, UT 84070
Phone Number
(801) 902-9776
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.