Salt Lake City, UT · Charter 19565
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.95% | 4.12% | 3.62% | 3.44% | 2.59% | 0.62% | 0.53% | 0.31% | -313 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.32% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.69% | 5.84% | 6.42% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 84.09% | 85.52% | 87.85% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | 0.66% | -10.11% | -5.27% | -8.30% | -6.42% | -10.70% | -10.16% | -490 bps | |
| Loan Growth (YoY) | 17.82% | 28.14% | 30.44% | 4.37% | -7.13% | -19.26% | -24.00% | -17.17% | -2,155 bps | |
| Share Growth (YoY) | -7.18% | -3.34% | -15.18% | -9.46% | -12.35% | -9.65% | -14.87% | -13.78% | -432 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.20% | 2.94% | 1.42% | 2.46% | 2.04% | 3.17% | 2.92% | 3.67% | +121 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 | 1.89% | 2.01% | 1.42% | 2.33% | 2.13% | 2.56% | 1.99% | 1.86% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.47% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.47% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.45% | 94.06% | 97.60% | 95.21% | 83.13% | 84.05% | 87.13% | 91.45% | -375 bps | |
| Liquid Assets / Assets | 22.41% | 18.93% | 10.81% | 4.49% | 6.02% | 19.13% | 22.78% | 25.39% | +2,090 bps | |