Salt Lake City, UT · Charter 16461
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.35% | -0.13% | -0.21% | 0.60% | 1.13% | 1.46% | 0.88% | +109 bps | |
| Return on Equity | -3.05% | -1.91% | -0.72% | -1.18% | 3.34% | 5.79% | 7.68% | 4.37% | +555 bps | |
| Net Interest Margin | 5.55% | 5.76% | 6.03% | 5.88% | 6.36% | 6.81% | 6.25% | 6.72% | +83 bps | |
| Efficiency Ratio | 93.50% | 93.89% | 102.13% | 102.19% | 90.87% | 83.81% | 77.36% | 82.84% | -1,935 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | 10.20% | -0.50% | 3.59% | -3.25% | -0.09% | 4.53% | -2.09% | -568 bps | |
| Loan Growth (YoY) | -14.37% | -1.82% | -15.31% | 21.19% | 22.67% | 8.04% | 11.79% | -10.84% | -3,203 bps | |
| Share Growth (YoY) | -3.32% | 10.40% | -0.80% | 4.48% | -4.59% | 1.98% | 1.01% | -4.23% | -872 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.93% | 0.76% | 0.81% | 0.61% | 0.64% | 0.71% | 0.73% | 0.87% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.18% | 18.33% | 18.19% | 17.78% | 17.86% | 19.59% | 19.05% | 20.19% | +241 bps | |
| Net Worth / Assets | 17.18% | 18.33% | 18.19% | 17.78% | 17.86% | 19.59% | 19.05% | 20.19% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.16% | 97.61% | 88.44% | 114.08% | 109.49% | 103.42% | 97.88% | 106.20% | -788 bps | |
| Liquid Assets / Assets | 29.02% | 21.87% | 26.50% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |