Kaysville, UT · Cert 1252
FDIC
Q4 2009
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 | 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% | 0.88% | -1.91% | -2.50% | -23.27% | -11.84% | -15.44% | -11.42% | -892 bps | |
| Return on Equity | 10.35% | 6.26% | -13.82% | -19.13% | -291% | -163.88% | -275% | -237% | -21,791 bps | |
| Net Interest Margin | 4.73% | 4.72% | 4.48% | 4.15% | 2.66% | 2.26% | 2.25% | 2.25% | -190 bps | |
| Efficiency Ratio | 43.83% | 47.40% | 49.56% | 57.80% | 74.47% | 71.87% | 119.99% | 125.00% | +6,720 bps | |
| Non-Interest Burden | 1.84% | 2.01% | 2.09% | 2.45% | 1.99% | 1.88% | 2.54% | 2.69% | +25 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% | 0.49% | 2.04% | 2.95% | 7.10% | 11.40% | 13.77% | 14.93% | +1,198 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 |