Murray, UT · Cert 34326
FDIC
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.55% | 3.13% | 3.21% | 2.99% | 3.05% | -50 bps | |
| Return on Equity | 8.36% | 7.38% | 7.51% | 7.50% | 7.96% | -40 bps | |
| Net Interest Margin | 2.19% | 2.39% | 2.35% | 2.43% | 2.38% | +19 bps | |
| Efficiency Ratio | 91.52% | 91.46% | 91.09% | 91.00% | 91.08% | -44 bps | |
| Non-Interest Burden | -2.95% | -2.58% | -2.28% | -2.17% | -2.22% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.75% | 8.16% | 0.25% | 26.71% | -1.27% | -1,202 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | 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 | 70.22% | 70.23% | 69.04% | 42.09% | 28.63% | -4,159 bps | |
| Equity / Assets | 41.28% | 42.13% | 43.30% | 35.31% | 32.94% | -835 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 23.31% | 17.26% | 22.14% | 21.36% | 20.26% | -305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |