Ogden, UT · Charter 60871
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.37% | 0.54% | 0.69% | 0.68% | 0.75% | 0.76% | 0.28% | -41 bps | |
| Return on Equity | 4.02% | 4.32% | 6.79% | 8.27% | 8.25% | 9.31% | 9.23% | 3.47% | -480 bps | |
| Net Interest Margin | 2.84% | 2.78% | 2.74% | 3.46% | 3.25% | 3.13% | 3.12% | 3.13% | -33 bps | |
| Efficiency Ratio | 89.60% | 85.67% | 81.29% | 73.41% | 74.73% | 75.73% | 76.28% | 87.76% | +1,435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.02% | 42.98% | 43.07% | 30.02% | 20.97% | 16.32% | 5.57% | 12.73% | -1,729 bps | |
| Loan Growth (YoY) | 19.16% | 52.69% | 73.65% | 53.61% | 35.01% | 1.56% | -8.90% | -3.86% | -5,747 bps | |
| Share Growth (YoY) | 28.40% | 34.77% | 31.89% | 27.54% | 18.02% | 18.12% | 9.87% | 10.51% | -1,703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 2.20% | 1.52% | 0.83% | 0.73% | 0.42% | 0.43% | 0.47% | -36 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 | 0.75% | 0.67% | 0.55% | 0.48% | 0.49% | 0.36% | 0.27% | 0.28% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.49% | 7.95% | 8.40% | 8.18% | 8.08% | 8.23% | 8.08% | -32 bps | |
| Net Worth / Assets | 9.10% | 8.49% | 7.95% | 8.40% | 8.18% | 8.08% | 8.23% | 8.08% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.92% | 97.55% | 100.25% | 89.79% | 82.28% | 83.87% | 83.13% | 78.12% | -1,167 bps | |
| Liquid Assets / Assets | 29.94% | 13.28% | 10.32% | 5.41% | 16.00% | 8.35% | 6.27% | 6.52% | +111 bps | |