Saint George, UT · Cert 58522
FDIC · 1 branch
Q3 2017
Market Position · St. George, UT · 2017 SOD (annual) · 5.6% share · #6 of 9 inst. · $0.1B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.05% | 1.37% | -0.68% | 2.34% | +171 bps | |
| Return on Equity | 5.47% | 0.48% | 12.61% | -6.65% | 22.14% | +1,667 bps | |
| Net Interest Margin | 3.78% | 3.76% | 3.90% | 3.51% | 4.17% | +39 bps | |
| Efficiency Ratio | 82.08% | 91.13% | 60.97% | 94.54% | 53.28% | -2,879 bps | |
| Non-Interest Burden | 2.87% | 3.34% | 0.88% | 3.22% | 0.07% | -280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.33% | 19.40% | 28.98% | 35.81% | 19.58% | +625 bps | |
| Loan Growth (YoY) | 4.05% | 12.58% | 20.08% | 39.40% | 37.76% | +3,371 bps | |
| Deposit Growth (YoY) | 17.69% | 21.46% | 30.33% | 30.78% | 18.64% | +95 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.43% | 5.49% | 5.82% | +582 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.81% | 0.49% | 0.04% | +4 bps | |
| Allowance / Loans | 1.66% | 1.69% | 1.61% | 1.71% | 1.78% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.7x | 0.3x | 0.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.46% | 10.79% | 11.52% | 10.49% | 11.15% | -31 bps | |
| Total Risk-Based Capital | 14.97% | 14.44% | 14.69% | 12.77% | 14.04% | -93 bps | |
| Equity / Assets | 11.08% | 10.87% | 10.86% | 9.66% | 11.50% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.58% | 82.90% | 81.34% | 90.06% | 93.56% | +1,299 bps | |
| Liquid Assets / Assets | 11.70% | 16.74% | 15.01% | 12.98% | 12.20% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |