Ogden, UT · Charter 67044
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.46% | 0.23% | 0.17% | 0.13% | 0.14% | 0.31% | 0.04% | 0.03% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | 1.09% | 1.21% | 2.62% | 0.31% | 0.27% | -83 bps | |
| Net Interest Margin | n/a | 2.81% | 2.87% | 2.94% | 3.00% | 2.84% | 2.44% | 2.08% | -85 bps | |
| Efficiency Ratio | n/a | 92.34% | 94.33% | 95.71% | 95.46% | 89.59% | 98.60% | 98.75% | +303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | 9.14% | -0.42% | -1.12% | -4.96% | -2.42% | 0.68% | 18.28% | +1,940 bps | |
| Loan Growth (YoY) | -20.44% | -19.86% | -15.55% | -1.30% | 0.78% | 1.01% | -14.21% | -21.66% | -2,037 bps | |
| Share Growth (YoY) | 1.32% | 10.27% | -0.56% | -1.27% | -5.76% | -2.53% | 1.24% | 21.61% | +2,288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.11% | 0.00% | 0.43% | 0.37% | 0.08% | 2.14% | 2.14% | +172 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 | 0.93% | 0.96% | 0.95% | 0.90% | 0.86% | 0.88% | 1.03% | 1.07% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.89% | 11.63% | 11.69% | 11.49% | 10.16% | -173 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 11.89% | 11.63% | 11.69% | 11.49% | 10.16% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.02% | 72.89% | 74.87% | 82.10% | 78.09% | 75.54% | 63.45% | 52.89% | -2,922 bps | |
| Liquid Assets / Assets | 33.71% | 34.08% | 32.65% | 26.73% | 30.32% | 32.59% | 43.14% | 51.33% | +2,460 bps | |