Ogden, UT · Charter 11536
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.10% | -0.29% | -0.52% | -1.09% | -0.56% | -1.14% | -1.03% | -51 bps | |
| Return on Equity | 1.33% | 0.15% | -0.41% | -0.75% | -1.52% | -0.79% | -1.62% | -1.40% | -65 bps | |
| Net Interest Margin | 4.05% | 3.94% | 3.91% | 3.54% | 2.98% | 2.89% | 2.81% | 2.86% | -68 bps | |
| Efficiency Ratio | 75.88% | 96.18% | 107.30% | 113.30% | 136.59% | 119.25% | 140.41% | 136.09% | +2,280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -0.98% | -2.80% | -0.89% | -5.75% | -2.44% | -1.74% | -5.96% | -507 bps | |
| Loan Growth (YoY) | -15.98% | -12.58% | -9.04% | -14.94% | -20.68% | -34.90% | -39.01% | -39.50% | -2,456 bps | |
| Share Growth (YoY) | -12.72% | -3.60% | -8.83% | -0.32% | -14.76% | -6.19% | -2.45% | -17.20% | -1,688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.16% | 3.04% | 3.23% | 3.57% | 4.04% | 4.67% | 5.29% | 5.90% | +233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 68.55% | 69.49% | 70.07% | 69.89% | 71.60% | 70.71% | 70.29% | 73.45% | +356 bps | |
| Net Worth / Assets | 68.55% | 69.49% | 70.07% | 69.89% | 71.60% | 70.71% | 70.29% | 73.45% | +356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 144.55% | 160.41% | 155.34% | 139.49% | 134.53% | 111.31% | 97.12% | 101.92% | -3,757 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |