Salt Lake City, UT · Cert 16703
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Salt Lake City, UT · Cert 16703
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.34% | 1.23% | 0.89% | 0.99% | 0.44% | 0.12% | -0.03% | -93 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.94% | 3.68% | 3.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 79.84% | 81.19% | 86.38% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.27% | 2.15% | 2.32% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | 6.58% | 4.65% | -1.03% | -1.04% | 0.53% | 4.07% | 8.80% | +982 bps | |
| Loan Growth (YoY) | 3.73% | 0.27% | -1.15% | -4.17% | -9.98% | -8.33% | -15.00% | -11.91% | -773 bps | |
| Deposit Growth (YoY) | -1.27% | 7.75% | 4.63% | 13.88% | 10.85% | 0.49% | 7.62% | 3.87% | -1,001 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 | n/a | n/a | n/a | n/a | n/a | 1.53% | 2.39% | 2.05% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.01% | 1.09% | 1.10% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 14.87% | 15.41% | 14.64% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.97% | 8.05% | 7.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.91% | 73.85% | 79.94% | 68.55% | 68.96% | 67.37% | 63.13% | 58.14% | -1,041 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |