FDIC Certificate #: 21448 Status: Active Federal Reserve ID: 617275 Date Established: Febuary 20, 1974 WWW:http://www.holladaybank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 14833 Numeric code: 21 Regulator: FDIC 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: Febuary 20, 1974 Last Structure Change Effective Date: October 04, 2011 Last Structure Change Process Date: October 04, 2011 Last Data Update: October 04, 2011 Data Source Date: April 05, 2012
Location
Address: 2020 East 4800 South Street, Salt Lake City, UT 84117 County: Salt Lake 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): Salt Lake City, UT (#41620) CBSA Metro Statistical Area: Salt Lake City, UT (#41620)
Financial Summary
Total assets: $46.3 mil Equity capital: $5.5 mil Deposits held in domestic offices: $40.2 mil Return on assets (ROA): -2.07% (-$1.0 mil) Quarterly return on assets: -3.11% (-$1.4 mil) Return on Equity (ROE): -17.48% (-$0.9 mil) Quarterly return on equity: -26.20% (-$1.3 mil) Net income: -$1.1 mil Quarterly Net income: -$0.4 mil Pretax return on assets: -2.35% (-$1,087.5 mil) Quarterly Pretax return on assets: -4.34% (-$2,008.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$46,275Total assets
$10,125Cash and due from depository institutions
$9,709Interest-bearing balances
$369Securities
$117Federal funds sold & reverse repurchase agreements
$28,536Net loans & leases
$968Loan loss allowance
$0Trading account assets
$17Bank premises and fixed assets
$4,432Other real estate owned
$0Goodwill and other intangibles
$46,275Life insurance assets
$2,679All other assets
$40,795Total liabilities and capital
$40,245Total liabilities
$35,176Total deposits
$40,245Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$550Subordinated debt
$5,480All other liabilities
$5,480Total equity capital
$5,480Total bank equity capital
$0Perpetual preferred stock
$766Common stock
$358Surplus
$4,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,468Income earned, not collected on loans
$0Earning assets
$118Long-term assets (5+ years)
$38,731Average Assets, year-to-date
$7,124Average Assets, quarterly
$51,276Volatile liabilities
$47,739Insider loans
$34,318FHLB advances
$47,936Loans and leases held for sale
$1,887Unused loan commitments
$1,887Tier 1 (core) risk-based capital
$5,432Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,303Restructured Loans and leases
$396Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,101Total interest income
$595Total interest expense
$1,506Net interest income
$271Provision for loan and lease losses
-$405Total noninterest income
$3Fiduciary activities
$82Service charges on deposit accounts
$0Trading account gains & fees
-$490Additional noninterest income
$2,036Total noninterest expense
$665Salaries and employee benefits
$206Premises and equipment expense
$1,165Additional noninterest expense
-$1,206Pre-tax net operating income
$0Securities gains (losses)
-$147Applicable income taxes
-$1,059Income before extraordinary items
$0Extraordinary gains - net
-$1,059Net income attributable to bank
$0Net charge-offs
-$1,059Cash dividends
$305Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
1.37%Cost of funding earning assets
3.47%Net interest margin
-0.93%Noninterest income to earning assets
4.69%Noninterest expense to earning assets
-2.07%Net operating income to assets
-2.07%Return on assets (ROA)
-2.35%Pretax return on assets
-17.48%Return on equity (ROE)
-17.48%Retained earnings to average equity (YTD only)
1.08%Net charge-offs to loans
88.85%Credit loss provision to net charge-offs
-3.07%Efficiency ratio
184,923Assets per employee
3.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.28%Loss allowance to noncurrent loans
65.94%Noncurrent assets plus other real estate owned to assets
12.75%Noncurrent loans to loans
4.98%Net loans and leases to deposits
70.91%Net loans and leases to core deposits
73.74%Equity capital to assets
11.84%Core capital (leverage) ratio
11.33%Tier 1 risk-based capital ratio
15.83%Total risk-based capital ratio
Memoranda
$17Average assets
$51,276Average earning assets
$6,057Average equity
$43,420Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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