Ogden, UT · Charter 24719
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.11% | 0.77% | 0.73% | 0.44% | 0.41% | 0.88% | 0.42% | -31 bps | |
| Return on Equity | 1.64% | -1.65% | 10.93% | 10.11% | 6.12% | 5.55% | 11.77% | 5.66% | -445 bps | |
| Net Interest Margin | 2.31% | 2.27% | 2.17% | 2.16% | 2.19% | 2.24% | 2.30% | 1.93% | -23 bps | |
| Efficiency Ratio | 89.57% | 93.91% | 73.42% | 77.32% | 84.34% | 86.57% | 96.85% | 93.17% | +1,585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | 2.23% | 2.47% | 3.37% | 1.12% | -1.35% | -0.14% | 1.48% | -189 bps | |
| Loan Growth (YoY) | -25.96% | -16.43% | -13.98% | -10.72% | 3.64% | 11.92% | 20.06% | 18.91% | +2,963 bps | |
| Share Growth (YoY) | -3.66% | 2.45% | 3.16% | 4.14% | 1.54% | -1.38% | -0.66% | 1.61% | -253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.96% | 0.68% | 0.92% | 0.46% | 0.65% | 0.38% | 0.32% | -60 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 | 1.18% | 1.31% | 1.06% | 1.01% | 0.94% | 0.73% | 0.30% | 0.53% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.14% | 6.88% | 7.01% | 7.21% | 7.19% | 7.38% | 7.44% | 7.35% | +14 bps | |
| Net Worth / Assets | 7.14% | 6.88% | 7.01% | 7.21% | 7.19% | 7.38% | 7.44% | 7.35% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.65% | 42.53% | 38.82% | 38.90% | 42.51% | 48.26% | 46.92% | 45.52% | +662 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |