Salt Lake City, UT · Cert 35600
FDIC
Q4 2001
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 0.54% | 2.60% | 3.95% | 5.12% | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 9.92% | 6.97% | 10.01% | 14.29% | n/a | |
| Efficiency Ratio | 43.03% | 46.64% | 44.83% | 44.79% | n/a | |
| Non-Interest Burden | 1.94% | 1.52% | 1.91% | 6.40% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 2.06% | 2.00% | 2.02% | 0.00% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 37.21% | 40.46% | 55.96% | 65.16% | n/a | |
| Equity / Assets | 23.08% | 27.33% | 33.41% | 37.58% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 69.25% | 69.82% | 86.34% | 0.19% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.89% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |