Salt Lake City, UT · Cert 26243
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.55% | 5.72% | 5.72% | 6.33% | 5.95% | 6.90% | 7.00% | 7.21% | +88 bps | |
| Return on Equity | 24.96% | 21.49% | 22.29% | 24.37% | 24.88% | 39.86% | 38.01% | 36.69% | +1,232 bps | |
| Net Interest Margin | 13.25% | 13.77% | 11.86% | 13.01% | 13.46% | 13.43% | 13.52% | 14.01% | +100 bps | |
| Efficiency Ratio | 15.63% | 15.67% | 15.31% | 14.93% | 15.11% | 14.88% | 14.66% | 14.98% | +4 bps | |
| Non-Interest Burden | -2.74% | -2.08% | -2.19% | -2.53% | -2.69% | -2.79% | -3.14% | -3.00% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.80% | -2.91% | 18.26% | 15.63% | 13.22% | 6.92% | -13.77% | -14.37% | -3,000 bps | |
| Loan Growth (YoY) | -3.32% | -8.54% | 17.63% | 14.27% | 11.41% | 12.09% | -13.85% | -14.13% | -2,840 bps | |
| Deposit Growth (YoY) | 8.83% | 7.76% | 0.86% | 2.76% | 5.77% | 12.76% | 23.44% | 17.02% | +1,426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 7.09% | 7.11% | 6.50% | 6.32% | 7.09% | 5.36% | 5.30% | 5.58% | -74 bps | |
| Allowance / Loans | 8.15% | 8.69% | 7.56% | 7.83% | 8.19% | 8.67% | 8.77% | 9.12% | +129 bps | |
| 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 27.57% | 30.50% | 25.80% | 28.52% | 17.52% | 20.41% | 22.41% | 25.20% | -332 bps | |
| Equity / Assets | 25.82% | 27.40% | 24.13% | 26.78% | 15.94% | 18.76% | 20.76% | 23.56% | -322 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 164.48% | 143.98% | 205% | 196.24% | 173.25% | 143.13% | 143.42% | 144.00% | -5,224 bps | |
| Liquid Assets / Assets | 3.81% | 3.73% | 3.61% | 3.91% | 3.94% | 3.95% | 3.94% | 0.00% | -391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |