St. George, UT · Charter 2288
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -1.16% | -2.68% | -3.61% | -2.32% | -2.27% | -4.67% | -2.01% | +161 bps | |
| Return on Equity | -2.89% | -11.70% | -31.32% | -55.35% | -36.01% | -36.88% | -126.15% | -62.99% | -764 bps | |
| Net Interest Margin | 3.16% | 2.90% | 2.85% | 2.73% | 2.86% | 3.10% | 3.42% | 4.18% | +145 bps | |
| Efficiency Ratio | 87.87% | 94.44% | 96.44% | 96.71% | 81.35% | 85.15% | 85.47% | 78.82% | -1,788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.30% | 2.82% | -3.17% | -8.36% | -6.33% | -8.73% | -11.13% | -12.83% | -447 bps | |
| Loan Growth (YoY) | -2.43% | -8.02% | -10.16% | -10.61% | -9.62% | -9.82% | -8.95% | -8.19% | +242 bps | |
| Share Growth (YoY) | 3.30% | 3.49% | 1.10% | -0.93% | -2.42% | -3.24% | -3.80% | -8.95% | -802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 8.26% | 6.56% | 5.41% | 6.29% | 6.52% | 7.03% | 6.33% | +93 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 | 0.70% | 1.28% | 1.96% | 2.12% | 2.10% | 2.14% | 5.01% | 5.26% | +314 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 9.91% | 8.57% | 6.53% | 6.46% | 6.16% | 3.70% | 3.19% | -334 bps | |
| Net Worth / Assets | 10.39% | 9.91% | 8.57% | 6.53% | 6.46% | 6.16% | 3.70% | 3.19% | -334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.58% | 92.79% | 96.97% | 86.98% | 85.75% | 86.48% | 91.78% | 87.70% | +72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |