Salt Lake Cty, UT · Charter 66190
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.73% | 0.76% | 0.79% | 0.79% | 0.67% | 0.71% | 0.73% | -5 bps | |
| Return on Equity | 9.85% | 7.59% | 7.97% | 8.20% | 8.28% | 7.52% | 7.96% | 8.01% | -18 bps | |
| Net Interest Margin | 3.43% | 3.09% | 2.94% | 2.89% | 2.81% | 2.52% | 2.52% | 2.58% | -32 bps | |
| Efficiency Ratio | 68.98% | 74.53% | 71.73% | 71.29% | 70.76% | 72.93% | 71.44% | 70.48% | -81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.37% | 18.98% | 17.90% | 15.08% | 14.21% | 16.15% | 16.22% | 14.24% | -84 bps | |
| Loan Growth (YoY) | 0.39% | 3.79% | 5.45% | 8.75% | 12.27% | 9.51% | 8.71% | 8.79% | +4 bps | |
| Share Growth (YoY) | 22.11% | 20.63% | 19.33% | 15.76% | 14.85% | 16.99% | 17.11% | 15.06% | -70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.77% | 0.67% | 0.63% | 0.91% | 1.14% | 0.99% | 1.28% | +65 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 | 0.78% | 0.77% | 0.79% | 0.81% | 0.82% | 0.82% | 0.74% | 0.59% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 9.56% | 9.49% | 9.61% | 9.57% | 8.97% | 8.90% | 9.15% | -45 bps | |
| Net Worth / Assets | 10.03% | 9.56% | 9.49% | 9.61% | 9.57% | 8.97% | 8.90% | 9.15% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.49% | 67.08% | 66.73% | 67.98% | 69.88% | 62.79% | 61.95% | 64.28% | -370 bps | |
| Liquid Assets / Assets | 28.21% | 31.15% | 32.02% | 31.63% | 21.57% | 18.15% | 22.55% | 18.53% | -1,309 bps | |