Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.0. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm re (27%), home mtgs (6%), comm loans (6%), home eq lns (5%), cash (1%), consumer loans (1%), other (25%)
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) 375-1000
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.