Saint George, UT · Cert 34219
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 3.10% | 2.24% | 1.60% | 0.16% | 0.19% | 0.04% | 0.13% | -147 bps | |
| Return on Equity | 4.97% | 41.90% | 27.66% | 18.66% | 1.50% | 1.80% | 0.36% | 1.22% | -1,745 bps | |
| Net Interest Margin | 3.48% | 3.76% | 4.38% | 4.01% | 3.41% | 3.32% | 3.35% | 3.27% | -75 bps | |
| Efficiency Ratio | 90.21% | 42.91% | 49.33% | 56.33% | 92.34% | 91.61% | 98.22% | 93.95% | +3,762 bps | |
| Non-Interest Burden | 3.10% | -1.18% | 0.12% | 1.07% | 3.12% | 3.02% | 3.29% | 3.07% | +201 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% | 2.34% | 1.79% | 3.32% | 0.90% | 0.34% | 0.94% | 0.88% | -245 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 |