Roosevelt, UT · Charter 15740
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roosevelt, UT · Charter 15740
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.57% | 0.39% | 0.39% | 0.42% | -0.14% | 0.07% | -6.18% | -657 bps | |
| Return on Equity | -0.21% | 3.59% | 2.45% | 2.32% | 2.37% | -0.78% | 0.37% | -45.25% | -4,757 bps | |
| Net Interest Margin | 1.41% | 1.56% | 1.50% | 1.59% | 1.64% | 1.68% | 1.63% | -4.78% | -637 bps | |
| Efficiency Ratio | 102.16% | 63.97% | 74.48% | 76.09% | 75.31% | 107.73% | 96.11% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.61% | 5.25% | 6.18% | -2.14% | -13.02% | -6.38% | -8.14% | -6.62% | -448 bps | |
| Loan Growth (YoY) | 11.53% | 9.71% | 15.06% | 28.50% | -7.76% | -6.25% | -11.54% | -20.09% | -4,859 bps | |
| Share Growth (YoY) | 17.59% | 6.03% | 7.01% | -3.06% | -15.81% | -7.90% | -9.97% | -2.79% | +27 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.42% | 0.00% | 3.64% | 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 | 2.68% | 2.85% | 2.94% | 2.67% | 2.91% | 3.04% | 3.32% | 3.34% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.98% | 16.01% | 16.00% | 16.96% | 17.64% | 17.32% | 17.65% | 13.65% | -331 bps | |
| Net Worth / Assets | 14.98% | 16.01% | 16.00% | 16.96% | 17.64% | 17.32% | 17.65% | 13.65% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.69% | 52.13% | 50.34% | 59.31% | 56.63% | 53.06% | 49.47% | 48.75% | -1,056 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |