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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.96% | -3.78% | -2.61% | -12.67% | -6.74% | -2.73% | -2.50% | -5.93% | +673 bps | |
| Return on Equity | -102.06% | -51.68% | -37.38% | -222% | -197.48% | -104.60% | -73.42% | -151.42% | +7,086 bps | |
| Net Interest Margin | 3.18% | 3.62% | 3.37% | 2.90% | 3.01% | 3.07% | 2.96% | 3.46% | +56 bps | |
| Efficiency Ratio | 148.80% | 123.82% | 119.11% | 598% | 207% | 139.05% | 179.28% | 215% | -38,309 bps | |
| Non-Interest Burden | 11.45% | 8.26% | 6.21% | 15.88% | 9.52% | 6.12% | 6.77% | 8.55% | -733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.39% | -34.98% | -36.97% | -32.20% | -14.48% | -29.08% | -29.06% | -37.71% | -551 bps | |
| Loan Growth (YoY) | -29.43% | -37.23% | -48.63% | -34.11% | -20.03% | -36.01% | -23.91% | -38.38% | -427 bps | |
| Deposit Growth (YoY) | -21.29% | -28.18% | -25.77% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.67% | -0.01% | -0.37% | -0.03% | 0.00% | -0.01% | -1.20% | -0.01% | +2 bps | |
| Allowance / Loans | 1.03% | 0.64% | 0.88% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.66% | 6.98% | 6.64% | 4.14% | 2.40% | 2.24% | 4.05% | 3.10% | -104 bps | |
| Total Risk-Based Capital | 11.12% | 9.99% | 12.48% | 6.84% | 4.97% | 4.59% | 6.99% | 4.72% | -212 bps | |
| Equity / Assets | 7.86% | 6.77% | 7.21% | 4.14% | 2.67% | 2.54% | 4.40% | 3.35% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.39% | 78.24% | 63.77% | 77.38% | 67.15% | 66.60% | 64.59% | 71.00% | -638 bps | |
| Liquid Assets / Assets | 11.00% | 9.96% | 20.39% | 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 | n/a | n/a | n/a |