Salt Lake Cy, UT · Charter 67052
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.49% | 0.23% | 0.29% | -0.72% | -0.17% | -0.14% | -4.72% | -501 bps | |
| Return on Equity | 6.46% | 5.32% | 2.60% | 3.37% | -8.94% | -2.19% | -1.84% | -78.94% | -8,231 bps | |
| Net Interest Margin | 4.08% | 4.21% | 4.17% | 3.89% | 3.58% | 3.57% | 3.61% | 3.27% | -62 bps | |
| Efficiency Ratio | 83.97% | 86.12% | 87.31% | 89.71% | 96.93% | 95.01% | 94.49% | 109.29% | +1,958 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 2.02% | 0.60% | 5.08% | 4.65% | 7.37% | 4.35% | 6.59% | +151 bps | |
| Loan Growth (YoY) | 21.54% | 19.74% | 16.14% | -0.79% | -5.96% | -10.62% | -12.03% | -4.33% | -354 bps | |
| Share Growth (YoY) | 1.37% | 1.37% | 0.41% | 5.56% | 5.80% | 9.44% | 5.93% | 9.22% | +367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.00% | 0.00% | 3.61% | 0.63% | 1.76% | 1.58% | 0.66% | -295 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 | 0.68% | 0.66% | 1.03% | 0.72% | 0.54% | 1.08% | 0.90% | 0.32% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.87% | 9.17% | 8.90% | 8.51% | 8.06% | 7.63% | 7.72% | 5.98% | -253 bps | |
| Net Worth / Assets | 8.87% | 9.17% | 8.90% | 8.51% | 8.06% | 7.63% | 7.72% | 5.98% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.39% | 70.41% | 70.73% | 62.30% | 58.12% | 57.50% | 58.74% | 54.57% | -773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |