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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 13.34% | 13.33% | 19.19% | 16.18% | 16.02% | 14.46% | 17.00% | 17.98% | +180 bps | |
| Return on Equity | 57.36% | 66.64% | 122.58% | 100.13% | 94.26% | 103.36% | 196.02% | 173.38% | +7,325 bps | |
| Net Interest Margin | 0.15% | 0.13% | 0.16% | 0.18% | 0.19% | 0.12% | 0.11% | 0.13% | -5 bps | |
| Efficiency Ratio | 28.91% | 28.07% | 19.46% | 24.64% | 26.00% | 25.91% | 27.10% | 25.45% | +81 bps | |
| Non-Interest Burden | -29.60% | -25.24% | -43.80% | -35.12% | -34.76% | -24.78% | -40.70% | -36.21% | -109 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 | 0.55% | 0.35% | 1.17% | 0.73% | 1.25% | 0.95% | 3.71% | 11.93% | +1,120 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 |