Salt Lake Cy, UT · Charter 67029
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.14% | 0.11% | 0.11% | 0.04% | 0.07% | 0.06% | 0.03% | -8 bps | |
| Return on Equity | n/a | 0.94% | 0.71% | 0.68% | 0.26% | 0.46% | 0.40% | 0.19% | -49 bps | |
| Net Interest Margin | 4.79% | 5.00% | 5.00% | 5.23% | 5.02% | 5.07% | 5.12% | 4.55% | -68 bps | |
| Efficiency Ratio | 95.59% | 97.21% | 97.90% | 97.95% | 99.23% | 98.59% | 98.77% | 99.36% | +141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.55% | -16.06% | -15.01% | -19.02% | -6.43% | -2.82% | -1.06% | 0.39% | +1,941 bps | |
| Loan Growth (YoY) | 5.10% | -3.26% | 7.31% | -0.84% | -22.58% | -14.86% | -17.94% | -28.02% | -2,719 bps | |
| Share Growth (YoY) | -12.67% | -23.66% | -17.72% | -22.06% | -7.56% | 2.69% | -1.45% | 0.50% | +2,257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.28% | 0.00% | 0.06% | 0.03% | 0.02% | 0.00% | 0 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 | 0.71% | 0.80% | 0.85% | 0.89% | 0.94% | 0.93% | 1.00% | 1.19% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 15.24% | 15.79% | 16.32% | 15.33% | 15.84% | 16.08% | 16.33% | +1 bps | |
| Net Worth / Assets | n/a | 15.24% | 15.79% | 16.32% | 15.33% | 15.84% | 16.08% | 16.33% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.42% | 121.93% | 115.72% | 114.00% | 93.32% | 101.09% | 96.36% | 81.64% | -3,236 bps | |
| Liquid Assets / Assets | 3.42% | 2.35% | 2.68% | 4.24% | 20.85% | 14.00% | 18.42% | 30.91% | +2,667 bps | |