Saint George, UT · Cert 57087
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -1.15% | -1.65% | -6.23% | -1.49% | -1.97% | -9.67% | -2.41% | +382 bps | |
| Return on Equity | -6.92% | -11.28% | -16.05% | -63.08% | -16.87% | -23.46% | -131.66% | -37.50% | +2,558 bps | |
| Net Interest Margin | 2.11% | 2.37% | 2.46% | 2.95% | 2.05% | 2.21% | 2.14% | 2.46% | -49 bps | |
| Efficiency Ratio | 132.81% | 85.47% | 100.24% | 360% | 203% | 236% | 83.07% | 202% | -15,795 bps | |
| Non-Interest Burden | 2.76% | 1.92% | 2.46% | 5.79% | 3.61% | 3.86% | 1.58% | 5.84% | +5 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 | 0.53% | 5.36% | 2.38% | 11.23% | 3.96% | 0.83% | 19.88% | 1.22% | -1,001 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 |