Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). A current level of 0.9 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (9.6) profitability.
Asset Mix:
Comm re (34%), cash (21%), home mtgs (9%), comm loans (8%), securities (4%), home eq lns (2%), consumer loans (0%), other (21%)
States with Branches:
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
Cache Valley Banking Company
Investment Rating
--
Address
101 North Main Street
Logan, UT 84321
Logan, UT 84321
Phone Number
(435) 753-3020
Year Founded
1975
FDIC Number
Website
Largest Affiliates
No affiliate information available.