Lehi, UT · Charter 67051
Q2 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q3 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 4.54% | 5.37% | 5.30% | 6.55% | 2.42% | 3.88% | 4.03% | -127 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -13.24% | 8.72% | 15.18% | 6.33% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 5.60% | 11.17% | 6.30% | -6.53% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -17.67% | 7.81% | 31.47% | 16.47% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.36% | 1.64% | 4.75% | 1.22% | 1.37% | 0.24% | 2.84% | 2.05% | +84 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 | 5.74% | 5.40% | 4.79% | 4.96% | 5.42% | 4.95% | 4.60% | 3.28% | -168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.29% | 106.50% | 134.62% | 128.62% | 114.52% | 109.82% | 108.84% | 103.22% | -2,541 bps | |
| Liquid Assets / Assets | 18.32% | 7.96% | 1.69% | 2.83% | 3.55% | 3.95% | 3.00% | 5.04% | +221 bps | |