Ogden, UT · Charter 67031
Q3 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 0.22% | 0.21% | 0.16% | 0.12% | 0.47% | 1.30% | 0.38% | +22 bps | |
| Return on Equity | 9.10% | 1.60% | 1.68% | 1.23% | 0.86% | 3.70% | 9.52% | 2.88% | +165 bps | |
| Net Interest Margin | 1.65% | 0.95% | 0.38% | 0.51% | 1.14% | 1.81% | 1.90% | 1.61% | +110 bps | |
| Efficiency Ratio | 41.93% | 85.49% | 77.77% | 85.34% | 72.07% | 75.80% | 37.53% | 79.54% | -580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.82% | 5.67% | 13.53% | 9.79% | 3.46% | 8.75% | -5.61% | 1.27% | -852 bps | |
| Loan Growth (YoY) | -26.36% | -39.52% | -39.65% | -29.40% | 17.55% | 28.88% | 22.64% | -0.09% | +2,931 bps | |
| Share Growth (YoY) | -21.41% | 5.46% | 15.13% | 10.97% | 4.39% | 9.83% | -7.10% | 1.13% | -983 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 3.16% | 6.93% | 4.85% | 0.00% | 0.22% | -294 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 | 3.49% | 4.36% | 4.42% | 3.96% | 3.85% | 4.36% | 4.66% | 1.93% | -203 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.21% | 13.51% | 12.27% | 13.10% | 13.44% | 12.64% | 13.65% | 13.21% | +11 bps | |
| Net Worth / Assets | 14.21% | 13.51% | 12.27% | 13.10% | 13.44% | 12.64% | 13.65% | 13.21% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.64% | 47.76% | 41.75% | 50.26% | 66.04% | 56.04% | 55.11% | 49.66% | -61 bps | |
| Liquid Assets / Assets | 48.70% | 57.75% | 62.51% | 54.52% | 42.26% | 50.57% | 51.91% | 55.04% | +52 bps | |