Saint George, UT · Cert 57087
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Saint George, UT · Cert 57087
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.15% | -1.15% | -1.41% | -2.95% | -2.59% | -1.97% | -5.76% | -4.70% | -175 bps | |
| Return on Equity | -20.95% | -11.28% | -13.65% | -29.34% | -26.53% | -23.46% | -74.23% | -63.12% | -3,378 bps | |
| Net Interest Margin | 2.22% | 2.37% | 2.45% | 2.66% | 2.50% | 2.21% | 2.21% | 2.39% | -28 bps | |
| Efficiency Ratio | 111.03% | 85.47% | 92.47% | 132.20% | 144.37% | 236% | 125.43% | 202% | +7,014 bps | |
| Non-Interest Burden | 2.47% | 1.92% | 2.22% | 3.45% | 3.47% | 3.86% | 2.79% | 3.92% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.21% | -0.07% | -7.18% | -5.48% | -5.76% | -9.54% | -6.02% | -11.96% | -648 bps | |
| Loan Growth (YoY) | -9.55% | -14.46% | -13.09% | -13.32% | -20.16% | -16.04% | -18.80% | -18.93% | -562 bps | |
| Deposit Growth (YoY) | -3.78% | 0.97% | -8.60% | -6.88% | -4.50% | -7.85% | -0.31% | -8.13% | -125 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 | 3.19% | 5.36% | 4.01% | 6.51% | 6.24% | 0.83% | 10.39% | 7.59% | +108 bps | |
| Allowance / Loans | 2.76% | 2.45% | 2.95% | 3.39% | 3.02% | 3.45% | 5.65% | 5.81% | +242 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.25% | 14.33% | 14.44% | 13.08% | 10.38% | 9.55% | 5.10% | 3.98% | -910 bps | |
| Equity / Assets | 10.46% | 10.01% | 10.63% | 9.14% | 8.57% | 8.18% | 6.46% | 6.40% | -274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.61% | 80.78% | 85.52% | 80.86% | 74.08% | 73.60% | 69.65% | 71.35% | -950 bps | |
| Liquid Assets / Assets | 3.89% | 7.15% | 4.32% | 4.55% | 8.90% | 8.12% | 9.68% | 9.28% | +472 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |