PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Escrow Bank USA

Midvale, UT · Cert 35228

FDIC

Q1 2009

$1.9MAssets
n/aLoans
n/aDeposits
$1.6MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q2 2007Q1 2009

Executive Summary

  • Earnings: ROA of 0.43%, down 22,562 bps year over year; NIM at 0.43%.

Return on Assets (quarter, annualized)

0.43%-22,562 bps YoY

Net Interest Margin (quarter, annualized)

0.43%-196 bps YoY

Efficiency Ratio (quarter, annualized)

0.00%-120 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.92%Q1 ’072.42%Q1 ’080.43%Q1 ’09-23%-82%

Non-interest income vs. expense

3.86%Q1 ’074.17%Q1 ’080.00%Q1 ’09-28%+100%

Discrete quarter, annualized.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets209%374%355%226%225%-0.84%1.97%0.43%-22,562 bps
Return on Equity430%514%493%273%252%-0.89%2.01%0.49%-27,208 bps
Net Interest Margin3.81%4.34%4.28%2.38%1.73%2.82%3.13%0.43%-196 bps
Efficiency Ratio1.15%1.07%0.36%1.20%1.19%40.63%1.23%0.00%-120 bps
Non-Interest Burden-396%-562%-478%-341%-246%1.15%0.04%0.00%+34,063 bps
Growth
Asset Growth (YoY)26.00%-26.94%-0.31%-52.35%-30.00%-44.91%-94.70%-95.60%-4,325 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)13.72%-41.83%-47.10%-98.20%-100.00%-100.00%-100.00%-100.00%-180 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital391%346%388%450%447%488%424%424%-2,639 bps
Equity / Assets77.38%68.64%75.99%88.69%89.92%98.85%88.05%88.06%-63 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%n/an/an/an/an/a
Liquid Assets / Assets47.85%48.78%46.97%41.64%99.47%99.17%96.18%96.23%+5,460 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a