Salt Lake Cit, UT · Charter 454
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | -0.45% | -0.92% | 0.59% | 0.53% | 0.51% | 0.59% | 3.32% | +274 bps | |
| Return on Equity | 3.57% | -2.62% | -6.19% | 3.89% | 3.23% | 2.79% | 3.00% | 15.30% | +1,141 bps | |
| Net Interest Margin | 4.71% | 4.66% | 4.57% | 4.46% | 4.93% | 5.41% | 5.63% | 5.77% | +132 bps | |
| Efficiency Ratio | 86.77% | 104.64% | 117.97% | 85.40% | 88.11% | 86.24% | 76.79% | 42.43% | -4,297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.56% | -14.41% | -0.95% | 12.15% | 9.42% | -1.86% | -17.97% | -31.92% | -4,407 bps | |
| Loan Growth (YoY) | 5.75% | 17.85% | 33.44% | 29.85% | 18.76% | -1.28% | -19.41% | -33.87% | -6,372 bps | |
| Share Growth (YoY) | -22.09% | -19.57% | -2.05% | 7.08% | 7.01% | -6.91% | -21.70% | -33.30% | -4,038 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 2.81% | 2.27% | 5.05% | 5.82% | 2.21% | 4.65% | 19.03% | +1,398 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.27% | 1.14% | 1.17% | 1.30% | 1.53% | 1.90% | 3.68% | +251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.47% | 17.14% | 14.93% | 15.04% | 16.50% | 18.29% | 19.53% | 21.73% | +669 bps | |
| Net Worth / Assets | 17.47% | 17.14% | 14.93% | 15.04% | 16.50% | 18.29% | 19.53% | 21.73% | +669 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.29% | 122.23% | 116.04% | 123.39% | 122.40% | 129.62% | 119.44% | 122.33% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |