Saint George, UT · Cert 28665
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint George, UT · Cert 28665
FDIC · 1 branch
Q3 2015
Market Position · St. George, UT · 2015 SOD (annual) · 0.1% share · #9 of 9 inst. · $0.0B of $1.9B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.76% | 0.79% | 0.64% | 0.55% | 0.28% | 0.75% | 3.12% | +248 bps | |
| Return on Equity | 3.49% | 6.49% | 6.68% | 5.04% | 4.14% | 1.55% | 3.81% | 12.66% | +762 bps | |
| Net Interest Margin | 1.32% | 1.55% | 1.58% | 1.35% | 1.45% | 1.21% | 1.47% | 1.72% | +37 bps | |
| Efficiency Ratio | 69.91% | 63.38% | 59.19% | 75.44% | 78.25% | 45.77% | 61.03% | 37.72% | -3,773 bps | |
| Non-Interest Burden | 0.86% | 0.93% | 0.88% | 0.98% | 1.10% | 0.09% | 0.69% | 0.31% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 12.48% | 13.93% | -4.94% | -4.34% | -25.02% | -47.71% | -83.27% | -7,833 bps | |
| Loan Growth (YoY) | -29.98% | -29.68% | -32.69% | -22.75% | 20.13% | 1.24% | -17.80% | -100.00% | -7,725 bps | |
| Deposit Growth (YoY) | -6.39% | 8.35% | 33.36% | 6.12% | -10.13% | -5.47% | -95.23% | -100.00% | -10,612 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.82% | -0.48% | -0.28% | 0.00% | -10.58% | 0.00% | +48 bps | |
| Allowance / Loans | 16.69% | 16.30% | 18.68% | 16.53% | 11.57% | 14.64% | 16.53% | 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 | 16.55% | 19.94% | 32.48% | n/a | |
| Total Risk-Based Capital | 53.47% | 50.57% | 54.38% | 61.57% | 63.91% | 72.98% | 99.95% | 345% | +28,384 bps | |
| Equity / Assets | 11.71% | 11.59% | 12.32% | 15.34% | 16.59% | 19.13% | 25.27% | 98.76% | +8,342 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 5.01% | 4.24% | 2.95% | 4.22% | 6.69% | 4.54% | 50.82% | n/a | n/a | |
| Liquid Assets / Assets | 0.39% | 0.39% | 7.94% | 0.29% | 0.31% | 0.44% | 0.45% | 2.52% | +222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |