FDIC Certificate #: 57408 Status: Active Federal Reserve ID: 3202702 Date Established: July 21, 2003 WWW:http://www.optumhealthbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 363231 Numeric code: 23 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: All Other Specialization > 1 Billion Date of Deposit Insurance: July 21, 2003 Last Structure Change Effective Date: August 07, 2008 Last Structure Change Process Date: August 07, 2008 Last Data Update: August 07, 2008 Data Source Date: April 05, 2012
Location
Address: 2525 Lake Park Boulevard, Suite 110, Salt Lake City, UT 84120 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: $1,884.2 mil Equity capital: $238.7 mil Deposits held in domestic offices: $1,394.9 mil Return on assets (ROA): 2.42% ($45.6 mil) Quarterly return on assets: 2.45% ($46.2 mil) Return on Equity (ROE): 19.51% ($46.6 mil) Quarterly return on equity: 19.50% ($46.6 mil) Net income: $41.4 mil Quarterly Net income: $11.3 mil Pretax return on assets: 3.81% ($71,787.6 mil) Quarterly Pretax return on assets: 3.62% ($68,207.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
80Total employees (full-time equivalent)
$1,884,190Total assets
$234,172Cash and due from depository institutions
$231,669Interest-bearing balances
$1,525,747Securities
$1,540Federal funds sold & reverse repurchase agreements
$101,519Net loans & leases
$1,042Loan loss allowance
$0Trading account assets
$369Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$1,884,190Life insurance assets
$20,843All other assets
$1,645,513Total liabilities and capital
$1,394,916Total liabilities
$1,103,471Total deposits
$1,394,916Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$250,597Subordinated debt
$238,677All other liabilities
$238,677Total equity capital
$238,677Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$37,004Surplus
$201,672Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$13,476Long-term assets (5+ years)
$1,860,475Average Assets, year-to-date
$760,045Average Assets, quarterly
$1,712,196Volatile liabilities
$1,846,643Insider loans
$1,247,838FHLB advances
$1,941,888Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$196,059Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,249Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$60,557Total interest income
$8,788Total interest expense
$51,769Net interest income
$722Provision for loan and lease losses
$45,499Total noninterest income
$0Fiduciary activities
$20,076Service charges on deposit accounts
$0Trading account gains & fees
$25,423Additional noninterest income
$31,617Total noninterest expense
$7,547Salaries and employee benefits
$292Premises and equipment expense
$23,778Additional noninterest expense
$64,929Pre-tax net operating income
$259Securities gains (losses)
$23,753Applicable income taxes
$41,435Income before extraordinary items
$0Extraordinary gains - net
$41,435Net income attributable to bank
$0Net charge-offs
$41,435Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.58%Yield on earning assets
0.52%Cost of funding earning assets
3.06%Net interest margin
2.69%Noninterest income to earning assets
1.87%Noninterest expense to earning assets
2.41%Net operating income to assets
2.42%Return on assets (ROA)
3.81%Pretax return on assets
19.51%Return on equity (ROE)
19.51%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
32,505Assets per employee
23.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
7.28%Net loans and leases to core deposits
7.28%Equity capital to assets
12.67%Core capital (leverage) ratio
10.10%Tier 1 risk-based capital ratio
15.71%Total risk-based capital ratio
Memoranda
$16Average assets
$1,712,196Average earning assets
$212,398Average equity
$1,689,784Average loans
List of branches
1 Utah Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
363231
Optumhealth Bank, Inc.
2525 Lake Park Boulevard, Suite 110, Salt Lake City, UT 84120
July 21, 2003
Full Service Brick and Mortar
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