Salt Lake City, UT · Cert 33778
FDIC · 1 branch
Q1 2016
Market Position · Salt Lake City, UT · 2015 SOD (annual) · 3.7% share · #8 of 44 inst. · $18.2B of $489.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.93% | 0.79% | 0.88% | -3.63% | 0.43% | 1.09% | -0.01% | -89 bps | |
| Return on Equity | 7.71% | 5.96% | 4.88% | 5.30% | -22.56% | 2.63% | 6.25% | -0.05% | -535 bps | |
| Net Interest Margin | 2.80% | 2.50% | 2.69% | 2.53% | 5.05% | -0.51% | -0.01% | 0.06% | -247 bps | |
| Efficiency Ratio | 57.55% | 64.43% | 65.79% | 58.12% | 111.67% | 130.40% | -47.56% | n/a | n/a | |
| Non-Interest Burden | 0.63% | 0.75% | 1.02% | 0.52% | 10.64% | -1.23% | -1.68% | 0.06% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.68% | 18.54% | 26.48% | 33.78% | 24.68% | 9.58% | -6.29% | -11.82% | -4,560 bps | |
| Loan Growth (YoY) | 9.25% | 13.21% | 29.38% | 34.34% | 15.51% | -22.77% | -69.09% | -99.80% | -13,414 bps | |
| Deposit Growth (YoY) | 23.64% | 23.31% | 25.15% | 34.12% | 23.43% | 6.20% | -6.27% | -12.02% | -4,614 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 | 0.24% | 0.21% | 0.15% | 0.20% | 3.26% | 0.00% | 0.00% | 0.00% | -20 bps | |
| Allowance / Loans | 0.52% | 0.51% | 0.55% | 0.67% | 0.00% | 0.00% | 0.00% | 0.00% | -67 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 | 15.72% | 15.58% | 16.82% | 17.23% | 17.61% | +189 bps | |
| Total Risk-Based Capital | 16.95% | 15.93% | 17.64% | 17.39% | 18.86% | 27.68% | 60.86% | 2734% | +271,653 bps | |
| Equity / Assets | 16.10% | 15.15% | 16.93% | 16.22% | 15.96% | 17.01% | 17.85% | 17.93% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.63% | 89.22% | 93.79% | 92.67% | 84.81% | 64.89% | 30.93% | 0.21% | -9,245 bps | |
| Liquid Assets / Assets | 13.50% | 13.72% | 11.53% | 13.09% | 18.59% | 40.77% | 72.45% | 99.18% | +8,610 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |