Salt Lake Cy, UT · Charter 67041
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.73% | 0.47% | -0.23% | -2.15% | -1.81% | 0.49% | -0.60% | -8.72% | -657 bps | |
| Return on Equity | -28.81% | 8.04% | -4.24% | -53.10% | -44.80% | 16.03% | -22.49% | -1253% | -120,008 bps | |
| Net Interest Margin | 2.70% | 2.71% | 2.69% | 2.83% | 2.98% | 3.82% | 3.75% | 3.83% | +100 bps | |
| Efficiency Ratio | 83.37% | 76.06% | 79.25% | 88.26% | 89.79% | 73.18% | 78.69% | 161.47% | +7,322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.13% | 12.58% | 9.90% | 6.58% | 2.31% | -6.60% | -13.28% | -16.53% | -2,311 bps | |
| Loan Growth (YoY) | 16.45% | 9.40% | 6.96% | 5.62% | -4.28% | -4.58% | -14.28% | -22.73% | -2,835 bps | |
| Share Growth (YoY) | 19.70% | 16.63% | 10.66% | 7.27% | -0.15% | -6.09% | -8.31% | -8.89% | -1,616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.73% | 8.45% | 6.21% | 6.77% | 4.79% | 4.04% | 4.28% | 4.58% | -219 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 | 2.69% | 1.23% | 0.73% | 2.04% | 1.11% | 1.81% | 1.59% | 3.14% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.01% | 5.86% | 5.50% | 4.05% | 4.04% | 3.06% | 2.65% | 0.70% | -336 bps | |
| Net Worth / Assets | 6.01% | 5.86% | 5.50% | 4.05% | 4.04% | 3.06% | 2.65% | 0.70% | -336 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.27% | 86.51% | 88.48% | 93.88% | 90.36% | 87.91% | 82.72% | 79.62% | -1,426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 95.33% | 98.16% | 0.00% | 0.00% | 0.00% | 0.00% | -9,816 bps | |