Murray, UT · Cert 34326
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.90% | 1.87% | 3.21% | 2.91% | 2.89% | -102 bps | |
| Return on Equity | 9.36% | 4.49% | 7.51% | 7.48% | 8.42% | -94 bps | |
| Net Interest Margin | 2.57% | 2.78% | 2.35% | 2.54% | 2.28% | -30 bps | |
| Efficiency Ratio | 91.34% | 91.24% | 91.09% | 90.91% | 91.24% | -10 bps | |
| Non-Interest Burden | -3.16% | -1.18% | -2.28% | -2.09% | -2.32% | +84 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 |