Ogden, UT · Charter 60069
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.33% | 1.20% | 1.20% | 1.28% | 1.31% | 1.30% | 0.85% | -35 bps | |
| Return on Equity | 12.22% | 12.25% | 10.96% | 11.31% | 11.93% | 12.06% | 11.90% | 8.33% | -298 bps | |
| Net Interest Margin | 3.02% | 2.97% | 2.96% | 3.02% | 3.11% | 3.09% | 3.08% | 2.90% | -12 bps | |
| Efficiency Ratio | 67.92% | 66.55% | 67.87% | 68.05% | 67.52% | 67.93% | 67.53% | 69.56% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.22% | 17.49% | 19.14% | 16.50% | 14.42% | 12.35% | 13.91% | 16.50% | 0 bps | |
| Loan Growth (YoY) | 13.43% | 12.94% | 14.16% | 10.75% | 10.51% | 13.73% | 12.14% | 14.48% | +373 bps | |
| Share Growth (YoY) | 14.54% | 18.15% | 20.09% | 17.37% | 15.34% | 12.36% | 13.47% | 16.00% | -137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.74% | 1.25% | 1.17% | 0.75% | 0.77% | 0.77% | 0.57% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.15% | 1.17% | 1.18% | 1.11% | 1.03% | 1.01% | 1.02% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.99% | 10.89% | 10.98% | 10.61% | 10.77% | 10.87% | 10.94% | 10.26% | -35 bps | |
| Net Worth / Assets | 10.99% | 10.89% | 10.98% | 10.61% | 10.77% | 10.87% | 10.94% | 10.26% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.90% | 88.06% | 89.96% | 82.55% | 86.14% | 89.14% | 88.91% | 81.47% | -108 bps | |
| Liquid Assets / Assets | 6.12% | 5.50% | 3.25% | 8.55% | 4.92% | 4.10% | 4.55% | 12.06% | +351 bps | |