Logan, UT · Charter 62553
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.23% | 0.86% | 0.68% | 0.60% | 0.60% | 0.22% | 0.47% | -21 bps | |
| Return on Equity | n/a | 10.18% | 7.43% | 5.95% | 5.38% | 5.23% | 1.92% | 4.07% | -187 bps | |
| Net Interest Margin | 4.86% | 4.68% | 4.26% | 3.94% | 3.85% | 3.85% | 3.74% | 4.00% | +5 bps | |
| Efficiency Ratio | 73.95% | 75.01% | 78.39% | 81.14% | 82.28% | 82.68% | 89.47% | 85.24% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 8.97% | 12.70% | 14.92% | 14.41% | 10.72% | 4.81% | 3.74% | -1,118 bps | |
| Loan Growth (YoY) | 8.18% | 5.13% | 0.77% | -2.59% | -2.93% | -4.17% | -3.89% | -3.07% | -48 bps | |
| Share Growth (YoY) | 3.93% | 8.61% | 12.76% | 15.55% | 15.48% | 11.43% | 5.01% | 3.78% | -1,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.79% | 1.24% | 1.37% | 0.89% | 1.20% | 0.90% | 0.88% | -48 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 | 0.60% | 0.58% | 0.69% | 0.72% | 0.66% | 0.67% | 0.61% | 0.63% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 12.07% | 11.56% | 11.41% | 11.25% | 11.50% | 11.47% | 11.49% | +8 bps | |
| Net Worth / Assets | n/a | 12.07% | 11.56% | 11.41% | 11.25% | 11.50% | 11.47% | 11.49% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.32% | 98.99% | 90.42% | 88.20% | 86.01% | 85.13% | 82.75% | 82.37% | -582 bps | |
| Liquid Assets / Assets | 5.20% | 9.03% | 16.29% | 18.34% | 20.04% | 20.94% | 22.77% | 22.79% | +445 bps | |