Salt Lake Cy, UT · Charter 67070
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.94% | 1.06% | 0.99% | 1.01% | 0.33% | 0.31% | -9.67% | -1,066 bps | |
| Return on Equity | 4.24% | 11.61% | 12.53% | 11.18% | 11.39% | 4.06% | 3.80% | -1770% | -178,130 bps | |
| Net Interest Margin | 3.41% | 3.72% | 3.88% | 4.04% | 4.01% | 3.33% | 3.24% | 3.92% | -12 bps | |
| Efficiency Ratio | 86.27% | 75.87% | 74.72% | 76.64% | 76.49% | 86.31% | 87.09% | 92.51% | +1,587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.42% | 17.19% | 14.61% | 8.21% | 6.05% | 9.20% | 11.91% | 3.10% | -510 bps | |
| Loan Growth (YoY) | 33.45% | 30.61% | 15.84% | 16.34% | 17.76% | 15.62% | 25.26% | 19.02% | +267 bps | |
| Share Growth (YoY) | 12.14% | 16.80% | 14.05% | 7.64% | 6.49% | 9.76% | 12.64% | 12.56% | +491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.35% | 0.11% | 0.24% | 1.75% | 5.36% | 18.64% | 22.29% | +2,205 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 | 0.53% | 0.60% | 0.62% | 0.74% | 0.73% | 0.79% | 0.36% | 7.41% | +667 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.33% | 8.09% | 8.46% | 8.84% | 8.87% | 8.20% | 8.15% | 0.55% | -829 bps | |
| Net Worth / Assets | 8.33% | 8.09% | 8.46% | 8.84% | 8.87% | 8.20% | 8.15% | 0.55% | -829 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.03% | 76.23% | 78.07% | 85.24% | 89.61% | 80.30% | 86.80% | 90.13% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |