Salt Lake City, UT · Cert 35328
FDIC · 1 branch
Q1 2018
Market Position · Salt Lake City, UT · 2017 SOD (annual) · 9.2% share · #5 of 40 inst. · $40.5B of $439.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 9.66% | 3.78% | 3.99% | 3.32% | 3.69% | 3.64% | 4.63% | 4.17% | +85 bps | |
| Return on Equity | 67.70% | 25.53% | 28.32% | 26.37% | 31.37% | 31.01% | 41.15% | 37.78% | +1,141 bps | |
| Net Interest Margin | 5.49% | 4.53% | 4.97% | 5.27% | 5.12% | 5.57% | 5.63% | 5.80% | +53 bps | |
| Efficiency Ratio | 44.13% | 62.80% | 61.59% | 64.86% | 64.84% | 63.70% | 55.95% | 65.46% | +61 bps | |
| Non-Interest Burden | -10.78% | -2.41% | -2.92% | -1.78% | -2.13% | -2.02% | -3.87% | -1.69% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -9.59% | -6.73% | -1.50% | 0.10% | 12.78% | 12.53% | 7.59% | +909 bps | |
| Loan Growth (YoY) | -19.71% | -11.01% | -8.91% | -7.31% | 18.08% | 9.95% | 6.03% | 12.36% | +1,967 bps | |
| Deposit Growth (YoY) | 12.82% | 1.14% | -0.93% | -1.23% | 6.45% | 16.99% | 14.47% | 18.36% | +1,959 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.56% | 0.53% | 0.53% | 0.53% | 0.61% | +6 bps | |
| Net Charge-Offs / Loans | 1.27% | 1.69% | 1.36% | 1.71% | 1.70% | 1.53% | 1.67% | 1.84% | +13 bps | |
| Allowance / Loans | 1.57% | 1.29% | 1.32% | 1.45% | 1.46% | 1.52% | 1.61% | 1.78% | +33 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.6x | 2.7x | 2.9x | 3.0x | 2.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.31% | 13.61% | 13.91% | 12.17% | 11.95% | 11.77% | 11.72% | 10.81% | -137 bps | |
| Total Risk-Based Capital | 22.15% | 18.74% | 17.54% | 15.56% | 15.19% | 14.58% | 14.17% | 13.55% | -201 bps | |
| Equity / Assets | 15.02% | 14.57% | 13.65% | 11.58% | 11.97% | 11.49% | 11.04% | 11.04% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.84% | 104.43% | 106.62% | 98.61% | 94.11% | 98.15% | 98.76% | 93.61% | -500 bps | |
| Liquid Assets / Assets | 33.85% | 17.22% | 16.82% | 23.73% | 22.00% | 18.73% | 21.73% | 20.13% | -360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |