Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.0. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10). A current level of 13.9 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Comm re (17%), securities (13%), comm loans (11%), home mtgs (11%), consumer loans (3%), cash (2%), 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
Investment Rating
--
Address
55 South State Street
Salina, UT 84654
Salina, UT 84654
Phone Number
(435) 529-7459
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.