West Bountiful, UT · Cert 35260
FDIC · 1 branch
Q1 2017
Market Position · Ogden-Clearfield, UT · 2016 SOD (annual) · 0.7% share · #12 of 17 inst. · $0.1B of $12.0B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.23% | -0.43% | -1.70% | -5.17% | -562 bps | |
| Return on Equity | 2.15% | 1.04% | -1.82% | -6.47% | -7.69% | -983 bps | |
| Net Interest Margin | 2.64% | 2.82% | 3.13% | 3.71% | 0.09% | -254 bps | |
| Efficiency Ratio | 78.68% | 85.93% | 110.04% | 187.79% | n/a | n/a | |
| Non-Interest Burden | 2.04% | 2.41% | 3.41% | 5.76% | 4.67% | +263 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -45.19% | -45.43% | -45.36% | -72.36% | -75.11% | -2,992 bps | |
| Loan Growth (YoY) | -45.16% | -54.12% | -55.12% | -86.52% | -89.42% | -4,427 bps | |
| Deposit Growth (YoY) | -48.85% | -50.79% | -62.05% | -100.00% | -100.00% | -5,115 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 33.50% | +3,350 bps | |
| Net Charge-Offs / Loans | 0.49% | 5.44% | 4.31% | 15.34% | -0.77% | -126 bps | |
| Allowance / Loans | 2.49% | 0.86% | 1.44% | 3.02% | 4.25% | +176 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.1x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.21% | 20.82% | 24.87% | 32.73% | 66.56% | +4,635 bps | |
| Total Risk-Based Capital | 21.51% | 24.48% | 29.19% | 61.76% | 75.82% | +5,432 bps | |
| Equity / Assets | 21.25% | 23.75% | 28.99% | 62.67% | 72.57% | +5,133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.88% | 95.89% | 123.59% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 4.40% | 7.25% | 6.27% | 0.00% | 3.23% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |