Salt Lake City, UT · Cert 35495
FDIC · 1 branch
Q4 2016
Market Position · Salt Lake City, UT · 2016 SOD (annual) · 0.0% share · #33 of 41 inst. · $0.1B of $536.4B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.55% | -6.74% | -4.87% | -4.17% | -4.53% | +202 bps | |
| Return on Equity | -95.53% | -197.48% | -154.35% | -122.31% | -133.22% | -3,769 bps | |
| Net Interest Margin | 3.72% | 3.01% | 3.32% | 3.60% | 4.08% | +37 bps | |
| Efficiency Ratio | 150.91% | 207% | 171.56% | 173.20% | 179.16% | +2,825 bps | |
| Non-Interest Burden | 11.76% | 9.52% | 8.70% | 9.10% | 10.27% | -149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -32.20% | -14.48% | -29.08% | -29.06% | -37.71% | -551 bps | |
| Loan Growth (YoY) | -34.11% | -20.03% | -36.01% | -23.91% | -38.38% | -427 bps | |
| Deposit Growth (YoY) | -28.64% | -6.64% | -24.83% | -24.86% | -32.84% | -420 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.28% | 0.00% | 0.00% | -0.40% | -0.32% | -4 bps | |
| Allowance / Loans | 0.67% | 0.74% | 0.68% | 0.80% | 1.46% | +79 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 4.14% | 2.40% | 2.24% | 4.05% | 3.10% | -104 bps | |
| Total Risk-Based Capital | 6.84% | 4.97% | 4.59% | 6.99% | 4.72% | -212 bps | |
| Equity / Assets | 4.14% | 2.67% | 2.54% | 4.40% | 3.35% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.38% | 67.15% | 66.60% | 64.59% | 71.00% | -638 bps | |
| Liquid Assets / Assets | 9.95% | 14.81% | 13.68% | 18.54% | 10.48% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |