Salt Lake Cit, UT · Charter 61000
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.78% | -7.30% | -6.10% | -6.61% | -6.45% | -4.86% | -5.34% | +76 bps | |
| Return on Equity | 2.77% | -9.24% | -107.71% | -103.18% | -149.65% | -200% | -227% | n/a | n/a | |
| Net Interest Margin | 3.29% | 3.01% | 2.40% | 2.43% | 2.67% | 2.86% | 3.36% | 3.34% | +91 bps | |
| Efficiency Ratio | 90.56% | 100.92% | 107.34% | 111.60% | 104.61% | 102.68% | 90.36% | 111.85% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | 0.68% | -4.25% | -8.22% | -11.29% | -12.69% | -14.69% | -17.39% | -917 bps | |
| Loan Growth (YoY) | 3.27% | 1.07% | -7.69% | -15.49% | -19.68% | -20.03% | -16.04% | -20.38% | -490 bps | |
| Share Growth (YoY) | 1.39% | -0.92% | -1.62% | -4.60% | -6.39% | -5.01% | -10.13% | -11.38% | -678 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.71% | 6.59% | 7.86% | 10.73% | 10.13% | 8.05% | 6.15% | 5.66% | -507 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 | 1.01% | 1.36% | 2.32% | 1.96% | 2.71% | 3.18% | 4.29% | 4.87% | +291 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 8.44% | 6.78% | 5.91% | 4.42% | 3.22% | 2.14% | -0.39% | -630 bps | |
| Net Worth / Assets | 9.27% | 8.44% | 6.78% | 5.91% | 4.42% | 3.22% | 2.14% | -0.39% | -630 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.59% | 96.54% | 86.11% | 84.33% | 82.02% | 81.28% | 80.44% | 75.76% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |