Provo, UT · Charter 67085
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.03% | -0.09% | 0.36% | 0.39% | 0.46% | 0.20% | 0.47% | +10 bps | |
| Return on Equity | -3.55% | -0.23% | -0.69% | 2.81% | 2.90% | 3.44% | 1.55% | 3.65% | +84 bps | |
| Net Interest Margin | 3.92% | 4.06% | 4.43% | 4.67% | 4.85% | 4.80% | 4.64% | 4.45% | -22 bps | |
| Efficiency Ratio | 95.25% | 91.17% | 94.79% | 89.92% | 87.70% | 87.79% | 92.58% | 89.98% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | 1.52% | -1.52% | -3.75% | -7.51% | -7.05% | 1.38% | 2.66% | +641 bps | |
| Loan Growth (YoY) | -14.78% | -3.66% | 2.56% | 18.46% | 22.57% | 14.16% | 9.02% | 1.74% | -1,672 bps | |
| Share Growth (YoY) | -1.87% | 2.02% | -1.49% | -4.52% | -8.93% | -8.08% | 1.44% | 2.82% | +734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.10% | 1.33% | 0.91% | 0.24% | 0.08% | 0.00% | 0.39% | -52 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 | 0.50% | 0.31% | 0.31% | 0.31% | 0.17% | 0.17% | 0.13% | 0.19% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.09% | 12.16% | 13.14% | 12.91% | 13.40% | 13.36% | 13.17% | 12.80% | -11 bps | |
| Net Worth / Assets | 12.09% | 12.16% | 13.14% | 12.91% | 13.40% | 13.36% | 13.17% | 12.80% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.64% | 44.30% | 49.62% | 49.90% | 56.04% | 55.02% | 53.33% | 49.37% | -52 bps | |
| Liquid Assets / Assets | 58.70% | 56.14% | 51.68% | 51.53% | 0.00% | 0.00% | 0.00% | 0.00% | -5,153 bps | |