Orem, UT · Charter 5411
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Orem, UT · Charter 5411
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.65% | -1.07% | -1.39% | -3.34% | -3.63% | 0.27% | -16.51% | -1,512 bps | |
| Return on Equity | -10.78% | -10.07% | -18.47% | -26.24% | -94.55% | -137.47% | 9.75% | n/a | n/a | |
| Net Interest Margin | 2.76% | 2.74% | 2.80% | 2.92% | 3.17% | 3.31% | 3.29% | 3.77% | +85 bps | |
| Efficiency Ratio | 103.62% | 102.37% | 91.69% | 83.83% | 85.00% | 103.74% | 89.53% | 162.08% | +7,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 0.55% | -3.65% | -3.07% | -0.54% | -4.71% | -4.38% | -24.35% | -2,128 bps | |
| Loan Growth (YoY) | -6.82% | -2.89% | 0.83% | 4.06% | 4.87% | -3.84% | -10.82% | -25.99% | -3,005 bps | |
| Share Growth (YoY) | 2.74% | -1.40% | -2.24% | -2.85% | 1.23% | 4.86% | -2.09% | -11.87% | -902 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 3.92% | 5.04% | 5.93% | 6.68% | 6.85% | 7.44% | 4.88% | -105 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 | 0.82% | 0.61% | 0.66% | 1.20% | 2.62% | 1.46% | 1.07% | 9.30% | +810 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.64% | 6.49% | 5.78% | 5.32% | 3.53% | 2.64% | 2.73% | -9.04% | -1,435 bps | |
| Net Worth / Assets | 6.64% | 6.49% | 5.78% | 5.32% | 3.53% | 2.64% | 2.73% | -9.04% | -1,435 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.65% | 97.31% | 89.94% | 93.71% | 94.95% | 89.23% | 81.92% | 78.70% | -1,501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.75% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |