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 (5.0 on a scale of 0 to 10). A current level of 1.1 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (9.7) profitability. Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.5.
Asset Mix:
Comm re (34%), cash (20%), home mtgs (9%), comm loans (8%), securities (4%), home eq lns (2%), consumer loans (0%), other (22%)
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.