Salt Lake Cy, UT · Charter 67081
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.12% | 3.53% | 3.29% | 0.16% | 0.32% | 0.50% | 0.08% | 0.15% | -1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.63% | 0.65% | 1.21% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.82% | 4.98% | 6.24% | 4.28% | 4.23% | -59 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 96.10% | 93.74% | 92.16% | 98.16% | 96.47% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.38% | 1.14% | 5.15% | -4.66% | -4.92% | -14.24% | -11.13% | 0.74% | +540 bps | |
| Loan Growth (YoY) | -0.29% | -7.63% | -5.17% | 0.90% | 3.58% | 4.51% | 5.10% | 0.36% | -55 bps | |
| Share Growth (YoY) | 12.41% | 0.55% | 3.97% | -6.72% | -7.32% | -17.69% | -13.04% | -0.18% | +654 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.43% | 1.36% | 2.32% | 0.59% | 1.81% | 0.60% | -77 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 | 2.44% | 2.65% | 1.78% | 1.86% | 1.29% | 1.24% | 1.21% | 1.22% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.72% | 12.28% | 12.43% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.72% | 12.28% | 12.43% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.77% | 76.46% | 67.15% | 80.98% | 72.39% | 97.08% | 81.16% | 81.41% | +43 bps | |
| Liquid Assets / Assets | 40.53% | 27.43% | 37.46% | 25.78% | 21.74% | 14.25% | 28.68% | 28.60% | +283 bps | |