Salt Lake City, UT · Cert 57225
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 2.38% | 2.45% | 2.31% | 2.37% | 2.39% | 2.14% | 3.91% | +161 bps | |
| Return on Equity | 15.81% | 14.56% | 14.30% | 12.88% | 12.73% | 12.26% | 10.42% | 20.54% | +766 bps | |
| Net Interest Margin | 4.63% | 4.82% | 3.89% | 4.15% | 4.02% | 3.78% | 3.99% | 3.79% | -36 bps | |
| Efficiency Ratio | 19.46% | 26.03% | 22.46% | 25.82% | 23.82% | 25.09% | 24.49% | 31.18% | +536 bps | |
| Non-Interest Burden | 0.48% | 0.80% | 0.39% | 0.59% | 0.37% | 0.49% | 0.51% | 0.99% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.04% | 12.80% | 5.41% | -0.83% | -4.12% | -4.59% | -6.59% | -57.79% | -5,696 bps | |
| Loan Growth (YoY) | 16.04% | 12.52% | 5.41% | -0.99% | -4.34% | -4.22% | -6.32% | -65.99% | -6,500 bps | |
| Deposit Growth (YoY) | 62.82% | 108.79% | 81.75% | 55.48% | 49.85% | -11.69% | -10.45% | -55.72% | -11,120 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 | 0.40% | 0.45% | -0.03% | 0.29% | 0.14% | 0.27% | 0.28% | 0.81% | +51 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.05% | 0.98% | 0.96% | 0.80% | 0.81% | 0.45% | -53 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 | 16.50% | 16.81% | 17.29% | 17.49% | 17.94% | 18.38% | 19.46% | 12.58% | -491 bps | |
| Equity / Assets | 15.98% | 16.69% | 17.60% | 18.23% | 19.09% | 19.93% | 21.27% | 14.14% | -409 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 194.56% | 121.88% | 120.99% | 121.52% | 124.20% | 132.19% | 126.56% | 93.35% | -2,817 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |