Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.3. Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.5 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 16.0 percent from a year earlier contributes to the Good asset quality (5.8). 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).
Asset Mix:
Comm re (20%), home mtgs (13%), comm loans (11%), securities (10%), consumer loans (3%), cash (2%), other (41%)
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
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