Ogden, UT · Cert 34430
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ogden, UT · Cert 34430
FDIC
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | -4.52% | -3.16% | -9.82% | -6.31% | -460 bps | |
| Return on Equity | -17.34% | -53.13% | -39.01% | -151.90% | -108.62% | -9,128 bps | |
| Net Interest Margin | 3.08% | 2.41% | 1.95% | 2.00% | 1.88% | -119 bps | |
| Efficiency Ratio | 106.21% | 146.35% | 262% | n/a | n/a | n/a | |
| Non-Interest Burden | 3.26% | 3.39% | 3.89% | 7.22% | 6.08% | +282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.01% | 8.63% | 9.74% | 12.20% | -1.15% | +685 bps | |
| Loan Growth (YoY) | -14.55% | -4.86% | -6.03% | 3.35% | -17.92% | -337 bps | |
| Deposit Growth (YoY) | -8.27% | 12.21% | 13.32% | 22.69% | 6.09% | +1,436 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.15% | 5.93% | 8.70% | 6.28% | 10.04% | +689 bps | |
| Allowance / Loans | 2.50% | 2.86% | 0.48% | 4.65% | 1.89% | -61 bps | |
| 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 | 11.90% | 10.01% | 8.77% | -0.19% | 0.01% | -1,190 bps | |
| Equity / Assets | 9.62% | 7.52% | 7.32% | 1.60% | 3.00% | -662 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.13% | 81.63% | 76.05% | 76.38% | 66.64% | -1,949 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |