Ogden, UT · Charter 62453
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.68% | 0.62% | 0.51% | 0.52% | 0.24% | 0.54% | 0.56% | +5 bps | |
| Return on Equity | 9.23% | 8.01% | 7.29% | 5.95% | 5.83% | 2.64% | 5.94% | 6.08% | +13 bps | |
| Net Interest Margin | 4.01% | 3.67% | 3.66% | 3.60% | 3.69% | 3.41% | 3.37% | 3.45% | -15 bps | |
| Efficiency Ratio | 69.85% | 75.06% | 75.84% | 77.27% | 76.24% | 80.52% | 71.83% | 73.40% | -387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.77% | 4.00% | 4.25% | 4.61% | 0.05% | -0.84% | -1.32% | -0.99% | -560 bps | |
| Loan Growth (YoY) | 8.84% | 6.92% | 5.44% | 4.48% | 0.68% | -1.05% | -0.29% | 1.60% | -288 bps | |
| Share Growth (YoY) | 7.23% | 3.62% | 0.61% | 3.84% | 1.89% | 6.25% | 6.24% | 5.02% | +118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.44% | 1.19% | 1.48% | 1.42% | 1.30% | 1.35% | 1.24% | -24 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 | 0.81% | 0.75% | 0.70% | 0.62% | 0.63% | 0.63% | 0.83% | 0.81% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.46% | 8.51% | 8.56% | 8.57% | 8.98% | 8.99% | 9.15% | 9.20% | +63 bps | |
| Net Worth / Assets | 8.46% | 8.51% | 8.56% | 8.57% | 8.98% | 8.99% | 9.15% | 9.20% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.61% | 100.38% | 100.37% | 97.38% | 96.45% | 93.48% | 94.20% | 94.20% | -318 bps | |
| Liquid Assets / Assets | 2.05% | 1.03% | 2.14% | 4.20% | 6.65% | 2.77% | 0.00% | 0.00% | -420 bps | |