Salt Lake Cy, UT · Charter 67072
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.44% | 0.53% | 0.61% | 0.59% | 0.54% | 0.72% | 0.65% | +4 bps | |
| Return on Equity | 8.92% | 3.76% | 4.19% | 4.66% | 4.46% | 4.25% | 5.42% | 4.65% | -1 bps | |
| Net Interest Margin | 3.26% | 2.73% | 2.89% | 2.95% | 2.89% | 2.31% | 2.46% | 2.54% | -41 bps | |
| Efficiency Ratio | 61.42% | 74.78% | 76.26% | 75.45% | 76.17% | 80.87% | 75.90% | 79.00% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | -3.48% | -9.34% | -0.14% | -2.07% | -2.80% | 0.66% | -1.46% | -133 bps | |
| Loan Growth (YoY) | -13.81% | -11.93% | -13.61% | -10.58% | -8.53% | -3.17% | 1.10% | -6.41% | +417 bps | |
| Share Growth (YoY) | -1.34% | -4.41% | -11.10% | -0.74% | -2.74% | -3.71% | 0.39% | -2.26% | -152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.35% | 0.36% | 0.34% | 0.16% | 0.19% | 0.30% | 0.08% | -26 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 | 0.85% | 1.06% | 1.18% | 1.16% | 1.26% | 1.21% | 1.13% | 1.02% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 11.76% | 12.63% | 13.01% | 13.16% | 12.68% | 13.22% | 13.89% | +88 bps | |
| Net Worth / Assets | 12.33% | 11.76% | 12.63% | 13.01% | 13.16% | 12.68% | 13.22% | 13.89% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.09% | 49.40% | 51.05% | 53.46% | 51.81% | 49.67% | 51.41% | 51.19% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |