Salt Lake City, UT · Cert 34064
FDIC
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.27% | 1.31% | 1.78% | 24.70% | +2,331 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 150.92% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | -3.53% | 0.50% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 77.02% | 1.39% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | -7.54% | -34.49% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 65.59% | 78.10% | 44.72% | 44.67% | -54.20% | -11,979 bps | |
| Loan Growth (YoY) | 65.09% | 63.96% | 61.73% | 48.36% | -100.00% | -16,509 bps | |
| Deposit Growth (YoY) | 76.35% | 83.62% | 45.81% | 49.21% | -71.40% | -14,775 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 2.11% | 3646% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | 1.48% | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | n/a | n/a | 11.80% | 183.32% | n/a | |
| Equity / Assets | n/a | n/a | n/a | 9.14% | 35.59% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.03% | 90.93% | 88.91% | 94.66% | 0.00% | -9,203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.33% | 3.14% | +314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |