Cedar City, UT · Cert 57962
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.62% | 0.39% | 0.58% | 0.51% | 0.39% | 0.50% | 0.64% | +6 bps | |
| Return on Equity | 6.05% | 3.91% | 2.69% | 4.28% | 3.88% | 2.84% | 3.39% | 3.94% | -34 bps | |
| Net Interest Margin | 5.65% | 6.21% | 5.11% | 5.11% | 5.01% | 4.59% | 4.85% | 5.14% | +3 bps | |
| Efficiency Ratio | 74.40% | 83.72% | 85.64% | 79.02% | 84.66% | 85.31% | 85.35% | 81.26% | +224 bps | |
| Non-Interest Burden | 4.08% | 5.16% | 4.36% | 4.03% | 4.21% | 3.89% | 4.12% | 4.15% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.08% | 10.75% | 11.50% | 0.89% | 12.36% | -3.60% | -17.92% | -23.09% | -2,398 bps | |
| Loan Growth (YoY) | 13.75% | 15.16% | 14.58% | -7.53% | -10.06% | -21.87% | -22.89% | -14.27% | -674 bps | |
| Deposit Growth (YoY) | 9.69% | 11.59% | 11.96% | 1.68% | 17.27% | -2.05% | -19.02% | -26.69% | -2,837 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 | 0.01% | 0.05% | 0.17% | 0.39% | 0.31% | 0.14% | 0.03% | 0.05% | -34 bps | |
| Allowance / Loans | 0.21% | 0.19% | 0.19% | 0.21% | 0.21% | 0.24% | 0.19% | 0.19% | -2 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 | 22.94% | 21.85% | 20.69% | 19.46% | 21.21% | 23.01% | 25.66% | 24.64% | +519 bps | |
| Equity / Assets | 17.32% | 14.83% | 14.37% | 12.54% | 13.76% | 13.69% | 15.62% | 16.89% | +435 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.94% | 67.31% | 69.00% | 60.50% | 61.31% | 53.69% | 65.70% | 70.75% | +1,025 bps | |
| Liquid Assets / Assets | 27.93% | 32.19% | 27.97% | 33.46% | 35.84% | 41.63% | 35.88% | 5.94% | -2,752 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |