Salt Lake City, UT · Cert 22087
FDIC · 1 branch
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.
Salt Lake City, UT · Cert 22087
FDIC · 1 branch
Q3 2015
Market Position · Salt Lake City, UT · 2015 SOD (annual) · 0.0% share · #44 of 44 inst. · $0.0B of $489.3B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.46% | 4.82% | 3.27% | 3.36% | 3.05% | 1.05% | 1.47% | 0.76% | -259 bps | |
| Return on Equity | -11.12% | 5.18% | 3.64% | 3.86% | 3.43% | 1.12% | 1.62% | 0.86% | -300 bps | |
| Net Interest Margin | -0.51% | 0.43% | 0.36% | 0.32% | 0.30% | 0.28% | 0.29% | 0.26% | -6 bps | |
| Efficiency Ratio | 246% | 62.91% | 66.51% | 62.58% | 78.12% | 95.70% | 93.70% | 95.20% | +3,263 bps | |
| Non-Interest Burden | 11.54% | -5.49% | -4.51% | -4.57% | -4.03% | -1.43% | -2.03% | -1.40% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -80.68% | -76.35% | -70.98% | -32.41% | 2.97% | 1.89% | 0.35% | -0.41% | +3,200 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -99.01% | -99.01% | -98.76% | -97.54% | -2.15% | -2.34% | -100.00% | -100.00% | -246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | 906% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 93.89% | 88.00% | 84.15% | n/a | |
| Total Risk-Based Capital | 545% | 368% | 286% | 241% | 569% | 381% | 294% | 270% | +2,848 bps | |
| Equity / Assets | 96.53% | 89.92% | 84.09% | 79.02% | 97.16% | 90.71% | 86.06% | 80.52% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 6.55% | 5.33% | 0.59% | 0.46% | 0.57% | 0.55% | 0.00% | 0.00% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |