Draper, UT · Cert 33535
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.72% | 2.33% | 1.08%1 | 0.24%1 | -7.75% | -16.70% | -14.96% | -17.68% | -1,792 bps | |
| Return on Equity | 16.09% | 14.26% | 6.75% | 1.57% | -67.37% | -177.29% | -179.11% | -251% | -25,287 bps | |
| Net Interest Margin | 1.44% | 1.90% | 2.01% | 1.58% | -0.05% | 0.54% | 0.99% | 2.20% | +63 bps | |
| Efficiency Ratio | 62.78% | 67.24% | 75.10% | 78.62% | 305% | n/a | n/a | 935% | +85,591 bps | |
| Non-Interest Burden | -6.29% | -4.06% | -2.42% | -1.64% | 6.93% | 14.25% | 11.75% | 13.21% | +1,485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.00% | 37.27% | 13.25% | 40.11% | 14.47% | 4.47% | -13.95% | -50.88% | -9,100 bps | |
| Loan Growth (YoY) | -21.77% | -29.86% | -44.82% | -54.79% | -45.39% | -54.92% | 22.88% | 76.27% | +13,107 bps | |
| Deposit Growth (YoY) | 47.73% | 54.54% | 21.61% | 53.15% | 24.90% | 19.17% | 1.05% | -40.52% | -9,367 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 | 8.00% | 11.75% | 14.00% | 21.23% | 21.92% | 57.85% | 22.73% | 26.77% | +554 bps | |
| Allowance / Loans | 7.83% | 9.14% | 11.61% | 19.34% | 20.06% | 21.26% | 12.44% | 21.29% | +195 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 | 19.34% | 23.00% | 24.48% | 38.40% | 21.83% | 20.65% | 10.28% | -4.07% | -4,247 bps | |
| Equity / Assets | 15.81% | 15.24% | 15.04% | 12.19% | 10.80% | 5.03% | 4.16% | -2.66% | -1,484 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.31% | 34.80% | 30.86% | 16.70% | 18.94% | 13.17% | 37.53% | 49.49% | +3,279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 2.81% | 50.02% | 47.23% | 53.11% | 50.75% | 40.93% | -909 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |