Salt Lake City, UT · Cert 57769
FDIC · 1 branch
Q2 2015
Market Position · Salt Lake City, UT · 2015 SOD (annual) · 0.0% share · #37 of 44 inst. · $0.0B of $489.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 13.71% | 17.29% | 19.19% | 14.30% | 16.34% | 15.26% | 17.00% | 22.81% | +850 bps | |
| Return on Equity | 69.89% | 117.72% | 122.58% | 68.49% | 85.25% | 136.96% | 196.02% | 172.80% | +10,431 bps | |
| Net Interest Margin | 0.18% | 0.15% | 0.16% | 0.18% | 0.18% | 0.09% | 0.11% | 0.15% | -3 bps | |
| Efficiency Ratio | 33.91% | 26.07% | 19.46% | 33.28% | 29.58% | 25.70% | 27.10% | 23.67% | -961 bps | |
| Non-Interest Burden | -22.88% | -30.81% | -43.80% | -23.24% | -27.19% | -27.87% | -40.70% | -35.56% | -1,232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.75% | -4.24% | -15.91% | -10.12% | -1.45% | 10.94% | 5.59% | 27.52% | +3,764 bps | |
| Loan Growth (YoY) | 7.80% | 5.85% | -2.15% | -0.56% | 5.48% | 0.61% | 6.78% | -77.42% | -7,686 bps | |
| Deposit Growth (YoY) | -8.29% | 12.01% | 10.60% | 0.59% | 13.63% | 20.84% | 39.20% | 46.19% | +4,560 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 | 0.44% | 0.16% | 1.17% | 0.56% | 2.40% | 0.89% | 3.71% | 10.43% | +987 bps | |
| Allowance / Loans | 1.95% | 1.98% | 1.94% | 1.94% | 2.03% | 2.15% | 3.67% | 15.53% | +1,359 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 | 11.07% | 15.55% | n/a | |
| Total Risk-Based Capital | 63.60% | 37.45% | 84.81% | 58.34% | 56.74% | 27.56% | 28.99% | 42.49% | -1,585 bps | |
| Equity / Assets | 22.28% | 11.39% | 24.05% | 17.69% | 20.92% | 7.37% | 11.37% | 14.73% | -296 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 13.03% | 5.91% | 8.77% | 10.89% | 12.10% | 4.92% | 6.72% | 1.68% | -921 bps | |
| Liquid Assets / Assets | 17.50% | 7.55% | 14.77% | 14.80% | 13.01% | 5.02% | 3.46% | 2.89% | -1,191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |