Ogden, UT · Charter 62364
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.95% | 1.03% | 1.27% | 1.13% | 1.16% | 1.13% | 1.20% | -6 bps | |
| Return on Equity | 6.95% | 6.99% | 7.55% | 9.70% | 8.57% | 8.80% | 8.42% | 9.38% | -32 bps | |
| Net Interest Margin | 3.32% | 3.30% | 3.33% | 3.45% | 3.40% | 3.38% | 3.41% | 3.13% | -32 bps | |
| Efficiency Ratio | 78.03% | 78.17% | 76.81% | 72.29% | 74.59% | 73.82% | 73.82% | 71.59% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.39% | 16.68% | 16.68% | 16.26% | 14.17% | 12.55% | 10.77% | 12.09% | -417 bps | |
| Loan Growth (YoY) | 13.93% | 12.86% | 17.46% | 14.40% | 12.65% | 11.37% | 4.57% | 5.64% | -877 bps | |
| Share Growth (YoY) | 16.56% | 17.94% | 18.66% | 17.43% | 15.32% | 13.19% | 10.66% | 12.75% | -469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.68% | 0.62% | 0.64% | 0.70% | 0.76% | 0.71% | 0.71% | +7 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 | 1.34% | 1.25% | 1.17% | 1.17% | 1.12% | 1.08% | 1.08% | 1.10% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.74% | 13.53% | 13.66% | 13.04% | 13.13% | 13.19% | 13.46% | 12.80% | -25 bps | |
| Net Worth / Assets | 13.74% | 13.53% | 13.66% | 13.04% | 13.13% | 13.19% | 13.46% | 12.80% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.57% | 82.72% | 86.35% | 79.76% | 80.66% | 81.39% | 81.60% | 74.73% | -503 bps | |
| Liquid Assets / Assets | 20.81% | 20.84% | 16.72% | 20.77% | 18.24% | 16.81% | 16.34% | 23.47% | +270 bps | |