Ephraim, UT · Cert 1249
FDIC
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.57% | 0.50% | -1.55% | -0.10% | -1.71% | -1.34% | 0.21% | +175 bps | |
| Return on Equity | 8.80% | 5.93% | 5.29% | -17.33% | -1.08% | -20.60% | -16.49% | 2.78% | +2,012 bps | |
| Net Interest Margin | 5.13% | 4.78% | 4.67% | 4.70% | 4.44% | 4.10% | 3.98% | 3.91% | -79 bps | |
| Efficiency Ratio | 62.24% | 62.99% | 65.55% | 72.66% | 72.63% | 75.87% | 74.83% | 73.90% | +124 bps | |
| Non-Interest Burden | 2.84% | 2.67% | 2.75% | 3.19% | 3.00% | 2.95% | 2.77% | 2.62% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.57% | 24.22% | 17.01% | 6.00% | 14.36% | 10.30% | 5.13% | 3.93% | -207 bps | |
| Loan Growth (YoY) | 24.48% | 10.41% | 6.48% | 8.76% | 2.78% | -0.57% | -0.87% | -5.63% | -1,438 bps | |
| Deposit Growth (YoY) | 15.13% | 27.59% | 18.68% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.72% | 1.61% | 1.52% | 0.23% | 1.58% | 1.68% | 2.69% | 3.90% | +368 bps | |
| Allowance / Loans | 2.25% | 2.51% | 2.63% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.64% | 13.30% | 13.09% | 12.54% | 12.81% | 11.35% | 11.31% | 11.41% | -114 bps | |
| Equity / Assets | 9.74% | 8.97% | 8.98% | 8.88% | 8.56% | 7.00% | 7.23% | 7.62% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.88% | 74.74% | 74.02% | 78.94% | 71.64% | 65.86% | 68.44% | 70.53% | -841 bps | |
| Liquid Assets / Assets | 7.73% | 11.18% | 9.52% | 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 | n/a | n/a | n/a |