Bank of Utah in Ogden, Utah (UT)

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Bank of Utah
GeneralFDIC Certificate #: 17159
Status: Active
Federal Reserve ID: 933975
Bank Holding Company (Regulatory Top Holder): Bou Bancorp, Inc. (RSSDID: 2935142, Location: Ogden, UT)
Date Established: Febuary 05, 1952
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 9533
FDIC's unique #: 11195
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 01, 1952
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 2605 Washington Blvd, Ogden, UT 84401
County: Weber
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
Core Based Statistical Area (CBSA): Ogden-Clearfield, UT (#36260)
CBSA Metro Statistical Area: Ogden-Clearfield, UT (#36260)
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $745.8 mil
Equity capital: $94.5 mil
Deposits held in domestic offices: $601.1 mil
Return on assets (ROA): 1.32% ($9.8 mil)
Quarterly return on assets: 0.94% ($7.0 mil)
Return on Equity (ROE): 11.21% ($10.6 mil)
Quarterly return on equity: 7.53% ($7.2 mil)
Net income: $9.8 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 0.97% ($7,234.6 mil)
Quarterly Pretax return on assets: 1.12% ($8,353.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)264
Total assets$745,832
Cash and due from depository institutions$141,882
Interest-bearing balances$126,728
Federal funds sold & reverse repurchase agreements$871
Net loans & leases$417,669
Loan loss allowance $10,827
Trading account assets$0
Bank premises and fixed assets$11,653
Other real estate owned$4,350
Goodwill and other intangibles$5,894
All other assets$29,740
Life insurance assets$745,832
Total liabilities and capital$651,294
Total liabilities$601,054
Total deposits$568,824
Interest-bearing deposits$601,054
Deposits held in domestic offices$76
% insured (estimated)42408.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $7,832
All other liabilities $94,538
Total equity capital$94,538
Total bank equity capital$94,538
Perpetual preferred stock$0
Common stock$3,656
Undivided profits $82,348
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $11,780
Income earned, not collected on loans $10,743
Earning assets $324
Long-term assets (5+ years) $1,975
Average Assets, year-to-date $679,041
Average Assets, quarterly $77,682
Volatile liabilities $742,374
Insider loans $752,501
FHLB advances $494,338
Loans and leases held for sale $744,029
Unused loan commitments $18,474
Tier 1 (core) risk-based capital $15,957
Tier 2 risk-based capital $87,565
Total risk weighted assets $0
Total unused commitments $2,517
Restructured Loans and leases $117,719
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $29,988
Total interest expense $3,143
Net interest income $26,845
Provision for loan and lease losses $4,000
Total noninterest income $11,181
Fiduciary activities $3,861
Service charges on deposit accounts $1,838
Trading account gains & fees $0
Additional noninterest income $5,482
Total noninterest expense $26,799
Salaries and employee benefits $16,359
Premises and equipment expense $2,760
Additional noninterest expense $7,680
Pre-tax net operating income $7,227
Securities gains (losses) $0
Applicable income taxes -$2,594
Income before extraordinary items $9,821
Extraordinary gains - net $0
Net income attributable to bank $9,821
Net charge-offs $0
Cash dividends $9,821
Sale, conversion, retirement of capital stock, net $4,183
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.41%
Cost of funding earning assets 0.46%
Net interest margin 3.95%
Noninterest income to earning assets 1.65%
Noninterest expense to earning assets 3.94%
Net operating income to assets 1.32%
Return on assets (ROA) 1.32%
Pretax return on assets 0.97%
Return on equity (ROE) 11.21%
Retained earnings to average equity (YTD only) 11.21%
Net charge-offs to loans 0.96%
Credit loss provision to net charge-offs 95.63%
Efficiency ratio2.68%
Assets per employee$70,475
Cash dividends to net income (YTD only)2.83%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.53%
Noncurrent assets plus other real estate owned to assets 100.78%
Noncurrent loans to loans 2.02%
Net loans and leases to deposits2.51%
Net loans and leases to core deposits 69.49%
Equity capital to assets 72.53%
Core capital (leverage) ratio 12.68%
Tier 1 risk-based capital ratio 11.77%
Total risk-based capital ratio 17.71%
Average assets$19
Average earning assets$742,374
Average equity $87,608
Average loans $679,584
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$267,283
Number of Accounts1
Personal trust and agency accounts$89,794
Employee benefit-defined contribution accounts$85,908
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$1,718
Investment management agency accounts$0
Other fiduciary accounts$2,168
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3580
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$1,718
Employee benefit-defined benefit accounts$0
Other retirement accounts$177,489
Corporate trust and agency accounts$17,168
Other fiduciary accounts$2,089
Fiduciary accounts held in foreign offices$60,444
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13 Utah Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011195Bank Of Utah2605 Washington Blvd, Ogden, UT 84401Febuary 05, 1952Full Service Brick and Mortar
2240741Roy Branch5741 South 1900 West, Roy, UT 84067September 18, 1953Full Service Brick and Mortar
3240742South Ogden Branch3990 Washington Boulevard, Ogden, UT 84403November 18, 1957Full Service Brick and Mortar
611725Ben Lomond Branch115 Washington Boulevard, Ogden, UT 84404June 20, 1957Full Service Brick and Mortar
102407477th South Branch711 South State Street, Salt Lake City, UT 84111December 01, 1975Full Service Brick and Mortar
19240752Redwood Branch2309 South Redwood Road, Salt Lake City, UT 84119November 20, 1979Full Service Brick and Mortar
24240755Layton Branch717 West Antelope Drive, Layton, UT 84041January 20, 1998Full Service Brick and Mortar
2532067Logan Branch5 East 1400 North, Logan, UT 84341December 06, 1984Full Service Brick and Mortar
26258241Tremonton Branch25 North Tremont, Tremonton, UT 84337July 11, 1994Full Service Brick and Mortar
27258242Providence Branch121 North Gateway Drive, Providence, UT 84332September 01, 1994Full Service Brick and Mortar
28258243Brigham City Branch80 East 800 South, Brigham City, UT 84302March 17, 1998Full Service Brick and Mortar
29340782Sandy Branch9320 South State Street, Sandy, UT 84070April 26, 2000Full Service Brick and Mortar
30466499Orem Branch980 West 830 North, Orem, UT 84059October 02, 2006Full Service Brick and Mortar
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