Salt Lake City, UT · Cert 35575
FDIC · 1 branch
Q2 2015
Market Position · Salt Lake City, UT · 2015 SOD (annual) · 3.5% share · #9 of 44 inst. · $17.3B of $489.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.90% | 0.80% | 0.95% | 0.34% | 0.62% | 0.66% | 0.69% | -25 bps | |
| Return on Equity | 3.93% | 5.38% | 5.05% | 6.25% | 2.45% | 4.79% | 5.13% | 5.45% | -81 bps | |
| Net Interest Margin | 2.86% | 2.73% | 2.58% | 2.65% | 2.48% | 2.41% | 2.30% | 2.35% | -30 bps | |
| Efficiency Ratio | 58.11% | 48.32% | 57.82% | 54.99% | 69.62% | 65.36% | 58.27% | 67.15% | +1,217 bps | |
| Non-Interest Burden | 0.87% | 0.64% | 0.75% | 0.65% | 1.22% | 0.86% | 0.58% | 1.02% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.44% | 31.95% | 26.02% | 31.76% | 38.61% | 30.90% | 28.02% | 19.88% | -1,188 bps | |
| Loan Growth (YoY) | 48.23% | 50.40% | 31.96% | 31.73% | 34.97% | 23.64% | 19.79% | 17.62% | -1,411 bps | |
| Deposit Growth (YoY) | 36.39% | 29.96% | 23.55% | 24.81% | 22.47% | 27.06% | 28.00% | 24.89% | +8 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 | 0.19% | 0.12% | 0.45% | 0.20% | 0.30% | 0.27% | 0.40% | 0.61% | +41 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.77% | 18.06% | 17.40% | 16.46% | 14.28% | 14.23% | 13.72% | 13.81% | -265 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.75% | 97.13% | 96.40% | 97.14% | 102.21% | 94.51% | 90.22% | 91.49% | -565 bps | |
| Liquid Assets / Assets | 1.07% | 1.37% | 1.33% | 1.40% | 1.29% | 1.29% | 1.27% | 1.24% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |