Kaysville, UT · Cert 1252
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 0.31% | -7.64% | -4.32% | -23.27% | 0.08%1 | -23.12% | 2.86% | +718 bps | |
| Return on Equity | 10.35% | 2.19% | -55.84% | -37.33% | -291% | 1.37% | -783% | 656% | +69,351 bps | |
| Net Interest Margin | 4.73% | 4.65% | 3.83% | 3.45% | 2.66% | 1.76% | 1.84% | 1.78% | -167 bps | |
| Efficiency Ratio | 43.83% | 51.06% | 55.61% | 110.66% | 74.47% | 71.87% | 211% | 134.98% | +2,431 bps | |
| Non-Interest Burden | 1.84% | 2.16% | 2.16% | 3.68% | 1.99% | 1.70% | 3.55% | 2.61% | -106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.73% | 4.04% | -7.35% | 10.96% | 2.06% | 1.92% | -4.36% | -26.95% | -3,791 bps | |
| Loan Growth (YoY) | 8.60% | 4.55% | -2.03% | -6.41% | -11.26% | -14.00% | -21.21% | -29.35% | -2,294 bps | |
| Deposit Growth (YoY) | 4.38% | 2.96% | -4.58% | 16.69% | 13.71% | 13.62% | 10.56% | -19.01% | -3,571 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 | 0.16% | 0.81% | 5.13% | 5.61% | 7.10% | 15.20% | 16.04% | 13.08% | +747 bps | |
| Allowance / Loans | 1.28% | 1.72% | 4.52% | 5.24% | 12.47% | 10.16% | 13.86% | 12.67% | +743 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 | 15.41% | 16.10% | 14.47% | 13.43% | 6.69% | 6.15% | 0.16% | 2.03% | -1,140 bps | |
| Equity / Assets | 14.17% | 14.39% | 12.95% | 10.37% | 5.40% | 5.59% | 0.05% | 0.86% | -950 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.17% | 104.18% | 103.77% | 84.70% | 82.85% | 78.86% | 73.96% | 73.89% | -1,081 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.07% | 0.06% | 0.03% | 2.84% | 4.12% | 6.95% | +689 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |