Provo, UT · Charter 10541
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.44% | 5.69% | 4.77% | 4.34% | 3.93% | 4.41% | 3.61% | 1.14% | -320 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -2.87% | -10.99% | -10.19% | -8.59% | 0.82% | 0.37% | 0.61% | +1,080 bps | |
| Loan Growth (YoY) | n/a | 59.60% | 13.32% | -7.50% | -23.68% | -17.10% | -25.87% | -46.81% | -3,931 bps | |
| Share Growth (YoY) | n/a | -7.11% | -15.82% | -13.87% | -10.32% | 1.05% | 1.52% | 3.28% | +1,715 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 17.77% | 12.38% | 1.54% | 18.37% | 19.88% | 35.44% | 23.31% | +2,177 bps | |
| 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 | 3.14% | 3.32% | 5.38% | 3.69% | 4.22% | 4.13% | 5.88% | 6.28% | +258 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.64% | 119.97% | 113.52% | 117.51% | 99.26% | 98.42% | 82.89% | 60.51% | -5,700 bps | |
| Liquid Assets / Assets | 6.03% | 5.49% | 13.38% | 9.35% | 22.60% | 23.08% | 35.92% | 52.59% | +4,324 bps | |