Saint George, UT · Cert 34219
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 6.26% | 0.19% | -0.71% | 0.16% | 0.23% | -0.27% | 0.39% | +111 bps | |
| Return on Equity | 4.97% | 76.25% | 1.76% | -6.54% | 1.50% | 2.09% | -2.50% | 3.76% | +1,030 bps | |
| Net Interest Margin | 3.48% | 3.52% | 3.64% | 3.40% | 3.41% | 3.30% | 3.55% | 3.35% | -5 bps | |
| Efficiency Ratio | 90.21% | 26.36% | 91.14% | 118.31% | 92.34% | 90.86% | 114.88% | 82.76% | -3,555 bps | |
| Non-Interest Burden | 3.10% | -5.91% | 3.35% | 3.91% | 3.12% | 2.98% | 3.96% | 2.73% | -118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.24% | -41.27% | -35.17% | -33.17% | -31.31% | 1.94% | 3.14% | 6.42% | +3,959 bps | |
| Loan Growth (YoY) | -16.45% | -39.79% | -34.40% | -35.56% | -34.71% | -3.72% | 0.05% | 4.23% | +3,979 bps | |
| Deposit Growth (YoY) | -14.06% | -45.50% | -40.24% | -38.74% | -37.30% | -0.08% | 3.21% | 5.83% | +4,456 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 | 0.53% | 3.89% | 0.92% | 7.51% | 0.90% | -0.22% | 2.19% | 0.59% | -692 bps | |
| Allowance / Loans | 4.64% | 5.90% | 5.36% | 4.17% | 4.02% | 4.09% | 3.19% | 3.15% | -103 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 | 4.01% | 9.19% | 9.22% | 9.19% | 9.40% | 9.46% | 8.82% | 9.28% | +9 bps | |
| Equity / Assets | 6.22% | 11.21% | 10.91% | 10.93% | 10.74% | 10.86% | 10.41% | 10.39% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.68% | 71.05% | 73.68% | 70.04% | 68.39% | 68.46% | 71.42% | 68.98% | -105 bps | |
| Liquid Assets / Assets | 3.07% | 6.31% | 5.92% | 5.09% | 3.37% | 6.11% | 5.51% | 8.04% | +295 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |