Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.4. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.0 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), securities (25%), home mtgs (7%), home eq lns (6%), comm loans (5%), cash (1%), consumer loans (1%), other (28%)
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
Central Bancorporation
Investment Rating
--
Address
75 North University Avenue
Provo, UT 84601
Provo, UT 84601
Phone Number
(801) 655-2205
Year Founded
1891
FDIC Number
Website
Largest Affiliates
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