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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.38% | 4.82% | 1.84% | 3.51% | 1.88% | 1.05% | 1.87% | -0.53% | -404 bps | |
| Return on Equity | -9.32% | 5.18% | 2.11% | 4.31% | 2.16% | 1.12% | 2.11% | -0.64% | -495 bps | |
| Net Interest Margin | -0.44% | 0.43% | 0.31% | 0.29% | 0.27% | 0.28% | 0.32% | 0.23% | -6 bps | |
| Efficiency Ratio | 211% | 62.91% | 70.27% | 53.90% | 92.95% | 95.70% | 91.68% | 98.21% | +4,432 bps | |
| Non-Interest Burden | 9.06% | -5.49% | -3.91% | -5.34% | -2.59% | -1.43% | -2.73% | -0.39% | +495 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 |