Ogden, UT · Cert 34430
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | -2.64% | -2.79% | -2.18% | -4.52% | -1.78% | -22.91% | 4.75% | +693 bps | |
| Return on Equity | 5.58% | -25.74% | -27.62% | -22.20% | -53.13% | -23.97% | -514% | 209% | +23,157 bps | |
| Net Interest Margin | 4.33% | 3.51% | 2.45% | 1.39% | 2.41% | 1.61% | 1.99% | 1.53% | +14 bps | |
| Efficiency Ratio | 68.31% | 86.41% | 119.85% | 368% | 146.35% | 889% | n/a | 151.61% | -21,614 bps | |
| Non-Interest Burden | 2.99% | 3.01% | 2.96% | 3.62% | 3.39% | 4.55% | 13.68% | 2.63% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.39% | -4.83% | -6.11% | -8.01% | 8.63% | 9.74% | 12.20% | -1.15% | +685 bps | |
| Loan Growth (YoY) | 9.69% | -3.61% | -7.92% | -14.55% | -4.86% | -6.03% | 3.35% | -17.92% | -337 bps | |
| Deposit Growth (YoY) | 9.40% | -5.41% | -5.77% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.63% | 3.65% | 5.14% | 2.86% | 5.93% | 10.80% | 2.57% | 16.13% | +1,327 bps | |
| Allowance / Loans | 1.95% | 2.76% | 2.83% | 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 | 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 | 12.22% | 12.13% | 11.95% | 11.90% | 10.01% | 8.77% | -0.19% | 0.01% | -1,190 bps | |
| Equity / Assets | 10.36% | 10.15% | 10.05% | 9.62% | 7.52% | 7.32% | 1.60% | 3.00% | -662 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.28% | 91.72% | 90.68% | 86.13% | 81.63% | 76.05% | 76.38% | 66.64% | -1,949 bps | |
| Liquid Assets / Assets | 0.04% | 0.05% | 0.00% | 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 | n/a | n/a | n/a |