Ephraim, UT · Cert 1249
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.55% | 1.32% | -4.76% | -0.22% | 0.21% | +175 bps | |
| Return on Equity | -17.33% | 15.20% | -61.33% | -3.06% | 2.78% | +2,012 bps | |
| Net Interest Margin | 4.70% | 4.42% | 3.80% | 3.81% | 3.91% | -79 bps | |
| Efficiency Ratio | 72.66% | 72.61% | 83.54% | 71.97% | 73.90% | +124 bps | |
| Non-Interest Burden | 3.19% | 2.97% | 3.10% | 2.38% | 2.62% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.00% | 14.36% | 10.30% | 5.13% | 3.93% | -207 bps | |
| Loan Growth (YoY) | 8.76% | 2.78% | -0.57% | -0.87% | -5.63% | -1,438 bps | |
| Deposit Growth (YoY) | 7.08% | 16.04% | 12.83% | 7.22% | 5.63% | -145 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 2.92% | 1.83% | 5.70% | 3.90% | +368 bps | |
| Allowance / Loans | 3.51% | 2.90% | 6.12% | 5.47% | 5.03% | +152 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.54% | 12.81% | 11.35% | 11.31% | 11.41% | -114 bps | |
| Equity / Assets | 8.88% | 8.56% | 7.00% | 7.23% | 7.62% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.94% | 71.64% | 65.86% | 68.44% | 70.53% | -841 bps | |
| Liquid Assets / Assets | 9.38% | 8.83% | 8.12% | 7.53% | 6.67% | -271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |