Salt Lake City, UT · Cert 58612
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | -0.11% | -0.16% | 0.22%1 | 5.34%1 | +572 bps | |
| Return on Equity | -2.00% | -0.58% | -0.86% | 1.18% | 17.64% | +1,963 bps | |
| Net Interest Margin | 1.31% | 1.64% | 1.69% | 1.53% | 1.46% | +15 bps | |
| Efficiency Ratio | 131.83% | 130.43% | 119.01% | 98.23% | 61.92% | -6,991 bps | |
| Non-Interest Burden | 1.73% | 2.14% | 2.01% | 1.51% | 0.90% | -84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 427% | 14.18% | 5.45% | -78.53% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | 52.54% | 1.86% | -98.47% | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 63.68% | 51.23% | 50.06% | 49.83% | 583% | +51,967 bps | |
| Equity / Assets | 18.64% | 18.60% | 18.53% | 18.03% | 90.37% | +7,174 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.26% | 0.22% | 0.20% | 6.09% | 29.74% | +2,947 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |