| Weiss Ratings |
Happen Bank, National Association
Lehi, UT |
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| Rating | ||||
| Asset Quality Index | 4.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 5.10 | |||
| Profitability Index | 7.70 | |||
| Stability Index | 8.70 | |||
| Company Info |
Happen Bank, National Association
Lehi, UT |
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| FDIC Number | 32551 | |||
| Phone Number | (888) 376-6642 | |||
| Website | www.lendingclub.com | |||
| Asset Quality |
Happen Bank, National Association
Lehi, UT |
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| 1-Year Asset Growth | 17.03% | |||
| 5-Year Asset Growth | 76.20% | |||
| 5-Year Charge-Offs to Average Loans | 2.70% | |||
| Charge-Offs to Average Loans | 2.13% | |||
| Non-Performing Assets to Assets | 0.51% | |||
| Non-Performing Loans to Capital | 3.07% | |||
| Non-Performing Loans to Loans | 1.30% | |||
| Balance Sheet |
Happen Bank, National Association
Lehi, UT |
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| Total Assets | 12.48B | |||
| Total Deposits | 10.85B | |||
| Capital and Reserves |
Happen Bank, National Association
Lehi, UT |
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| Capital | 1.43B | |||
| Leverage Ratio | 10.98 | |||
| Loan Loss Reserves to Loans | 2.74% | |||
| Risk-Based Capital Ratio | 16.83 | |||
| Liquidity |
Happen Bank, National Association
Lehi, UT |
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| Hot Money Ratio | 12.82% | |||
| Liquidity Ratio | 41.28% | |||
| Profitability |
Happen Bank, National Association
Lehi, UT |
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| 5-Year Return on Average Assets | 1.31% | |||
| Net Income | 108.82M | |||
| Net Interest Spread | 6.19% | |||
| Operating Profit to Average Assets | 2.37% | |||
| Overhead Efficiency Ratio | 74.35% | |||
| Return on Assets | 1.83% | |||
| Return on Equity | 15.95% | |||