Salt Lake City, UT · Cert 58009
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 | 4.65% | 2.36% | 4.63% | 0.23% | 15.47% | 5.40% | -1.20% | -0.40% | -62 bps | |
| Return on Equity | 24.37% | 10.91% | 19.86% | 0.92% | 51.69% | 15.34% | -3.09% | -0.83% | -175 bps | |
| Net Interest Margin | 1.29% | 0.54% | -3.79% | -1.08% | -0.67% | -0.52% | -0.30% | -0.51% | +56 bps | |
| Efficiency Ratio | 53.96% | 26.25% | -613% | -130.94% | -5.29% | 10.58% | -3.55% | -34.10% | +9,684 bps | |
| Non-Interest Burden | -0.57% | -2.07% | -8.74% | -1.03% | -16.12% | -6.02% | 1.53% | -0.17% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -35.32% | -38.49% | -29.85% | -19.59% | -25.76% | -18.90% | -32.74% | -44.88% | -2,530 bps | |
| Loan Growth (YoY) | -22.80% | -22.27% | -28.88% | -34.49% | -49.53% | -49.04% | -55.20% | -67.08% | -3,260 bps | |
| Deposit Growth (YoY) | -45.71% | -48.63% | -38.02% | -27.61% | -36.51% | -30.17% | -47.26% | -66.84% | -3,923 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.08% | 0.16% | 0.16% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | -19 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 | 20.35% | 25.53% | 32.75% | 39.19% | 62.89% | 74.80% | 91.63% | 123.03% | +8,384 bps | |
| Equity / Assets | 19.92% | 23.52% | 23.08% | 26.57% | 33.67% | 36.84% | 41.19% | 56.54% | +2,997 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.45% | 79.01% | 68.90% | 70.11% | 57.60% | 57.66% | 58.53% | 69.59% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 27.61% | 35.54% | 36.96% | 49.42% | 49.55% | 53.01% | 59.34% | +2,238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |