Bingham Canyon, UT · Charter 67055
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.27% | 1.03% | 0.53% | 0.60% | 0.64% | -2.62% | -45.66% | -4,619 bps | |
| Return on Equity | 8.05% | 6.88% | 5.70% | 3.19% | 3.77% | 4.06% | -18.06% | n/a | n/a | |
| Net Interest Margin | 2.99% | 2.66% | 2.45% | 1.93% | 1.93% | 1.87% | -1.01% | 1.90% | -3 bps | |
| Efficiency Ratio | 48.48% | 53.07% | 58.63% | 71.83% | 68.59% | 64.03% | n/a | 168.91% | +9,708 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 12.74% | 16.38% | 23.20% | 28.91% | 24.06% | 23.20% | -18.48% | -4,168 bps | |
| Loan Growth (YoY) | 18.64% | 11.56% | 1.70% | -1.83% | -1.02% | 4.06% | 2.93% | -44.93% | -4,310 bps | |
| Share Growth (YoY) | 4.45% | 10.19% | 14.35% | 24.55% | 32.50% | 27.23% | 28.00% | -2.31% | -2,685 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.56% | 1.22% | 1.54% | 1.46% | 1.46% | 1.41% | 2.83% | +130 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 | 0.78% | 0.80% | 0.81% | 0.83% | 0.82% | 0.89% | 0.91% | 1.61% | +77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 18.44% | 18.02% | 16.67% | 16.00% | 15.80% | 14.53% | -1.85% | -1,852 bps | |
| Net Worth / Assets | 19.01% | 18.44% | 18.02% | 16.67% | 16.00% | 15.80% | 14.53% | -1.85% | -1,852 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.61% | 55.58% | 52.31% | 47.05% | 45.27% | 45.46% | 42.06% | 26.52% | -2,053 bps | |
| Liquid Assets / Assets | 123.19% | 14.10% | 20.01% | 10.64% | 13.82% | 14.95% | 50.26% | 54.54% | +4,390 bps | |