Major Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Weak asset quality (2.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 14.8. Operating profits as a percentage of assets at 4.8%, coupled with a return on assets of 3.8 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (31%), comm loans (18%), consumer loans (13%), cash (12%), securities (5%), home mtgs (2%), home eq lns (1%), other (18%)
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
Capital Community Bancorporation, Inc.
Investment Rating
--
Address
3280 North University Avenue
Provo, UT 84604
Provo, UT 84604
Phone Number
(801) 356-6699
Year Founded
1993
FDIC Number
Website
Largest Affiliates
No affiliate information available.