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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.36% | 3.05% | 1.05% | 1.47% | 0.76% | -259 bps | |
| Return on Equity | 3.86% | 3.43% | 1.12% | 1.62% | 0.86% | -300 bps | |
| Net Interest Margin | 0.32% | 0.30% | 0.28% | 0.29% | 0.26% | -6 bps | |
| Efficiency Ratio | 62.58% | 78.12% | 95.70% | 93.70% | 95.20% | +3,263 bps | |
| Non-Interest Burden | -4.57% | -4.03% | -1.43% | -2.03% | -1.40% | +317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -32.41% | 2.97% | 1.89% | 0.35% | -0.41% | +3,200 bps | |
| Loan Growth (YoY) | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 93.89% | 88.00% | 84.15% | n/a | |
| Total Risk-Based Capital | 241% | 569% | 381% | 294% | 270% | +2,848 bps | |
| Equity / Assets | 79.02% | 97.16% | 90.71% | 86.06% | 80.52% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 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 |