Major Rating Factors:
Operating profits as a percentage of assets at 4.5%, coupled with a return on assets of 3.4 has resulted in Excellent (10.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.1. Weak liquidity 2.8, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Consumer loans (54%), cash (23%), comm loans (23%), other (0%)
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
American Express Company
Investment Rating
Address
115 West Towne Ridge Parkway
Sandy, UT 84070
Sandy, UT 84070
Phone Number
(801) 945-5000
Year Founded
1989
FDIC Number
Website
Largest Affiliates
No affiliate information available.
