Salt Lake Cy, UT · Charter 67039
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.87% | 0.88% | 0.81% | 0.78% | 0.75% | -0.68% | -5.25% | -606 bps | |
| Return on Equity | 9.59% | 9.22% | 9.35% | 9.27% | 9.78% | 9.90% | -10.55% | -122.69% | -13,196 bps | |
| Net Interest Margin | 3.10% | 3.09% | 3.09% | 3.28% | 3.23% | 3.19% | 3.32% | 2.57% | -70 bps | |
| Efficiency Ratio | 75.11% | 79.66% | 77.98% | 81.49% | 79.58% | 77.96% | 78.90% | 88.04% | +655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.43% | 17.05% | 21.69% | 29.51% | 30.71% | 36.92% | 31.27% | 21.86% | -765 bps | |
| Loan Growth (YoY) | 28.09% | 20.43% | 31.51% | 47.70% | 47.16% | 50.78% | 32.10% | 20.77% | -2,693 bps | |
| Share Growth (YoY) | 30.61% | 26.50% | 22.82% | 25.03% | 29.78% | 38.35% | 35.43% | 26.60% | +157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.42% | 1.25% | 0.37% | 0.44% | 0.64% | 1.39% | 1.79% | +142 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 | 0.51% | 0.48% | 0.41% | 0.30% | 0.28% | 0.27% | 1.82% | 3.12% | +282 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.63% | 9.42% | 9.37% | 8.70% | 8.02% | 7.60% | 6.46% | 4.28% | -442 bps | |
| Net Worth / Assets | 9.63% | 9.42% | 9.37% | 8.70% | 8.02% | 7.60% | 6.46% | 4.28% | -442 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.87% | 90.65% | 96.64% | 101.41% | 100.78% | 98.80% | 94.26% | 96.74% | -467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |