No. Salt Lake, UT · Charter 1004
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.20% | -1.17% | -1.46% | -1.62% | -2.19% | -11.91% | -9.53% | 0.00% | +162 bps | |
| Return on Equity | -3.49% | -3.39% | -4.49% | -5.00% | -6.87% | -43.84% | -33.65% | 0.00% | +500 bps | |
| Net Interest Margin | 2.46% | 2.60% | 2.40% | 2.34% | 1.95% | 1.95% | 2.10% | 0.00% | -234 bps | |
| Efficiency Ratio | 147.02% | 143.60% | 158.54% | 166.99% | 208% | 692% | 530% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.45% | -7.10% | -2.46% | -2.90% | 2.32% | 1.82% | -9.43% | -99.75% | -9,685 bps | |
| Loan Growth (YoY) | -31.28% | -28.36% | -33.16% | -27.67% | -12.28% | -20.95% | -36.21% | -100.00% | -7,233 bps | |
| Share Growth (YoY) | -9.78% | -9.07% | -1.39% | -1.91% | 6.22% | 10.91% | -3.72% | -100.00% | -9,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.66% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.92% | 11.23% | 10.62% | 11.21% | 12.04% | 12.68% | 17.67% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 34.32% | 34.66% | 32.47% | 32.39% | 31.82% | 27.17% | 28.31% | 100.00% | +6,761 bps | |
| Net Worth / Assets | 34.32% | 34.66% | 32.47% | 32.39% | 31.82% | 27.17% | 28.31% | 100.00% | +6,761 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.10% | 91.35% | 75.39% | 73.10% | 69.46% | 65.11% | 49.95% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |