Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (10.0). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 29.8 and a capital leverage ratio of 7.6.
Other Rating Factors:
Excellent liquidity 8.5, driven by a liquidity ratio of 40.7 percent and a “hot money” ratio of 0.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Securities (43%), cash (39%), consumer loans (1%), comm loans (0%), other (17%)
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
Green Dot Corporation
Investment Rating
Address
1675 North Freedom Boulevard
Provo, UT 84604
Provo, UT 84604
Phone Number
(801) 344-7020
Year Founded
1978
FDIC Number
Website
Largest Affiliates
No affiliate information available.