Salt Lake Cy, UT · Charter 67092
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.30% | 1.26% | 0.56% | 0.45% | 0.68% | 0.00% | 0.80% | +23 bps | |
| Return on Equity | 13.55% | 11.88% | 10.77% | 5.32% | 4.40% | 6.37% | 0.00% | 7.20% | +188 bps | |
| Net Interest Margin | 5.65% | 5.31% | 5.14% | 4.58% | 4.36% | 4.42% | 4.26% | 4.52% | -6 bps | |
| Efficiency Ratio | 78.16% | 80.32% | 80.40% | 82.84% | 83.54% | 80.31% | 87.04% | 85.67% | +283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.28% | 5.35% | 11.77% | 24.07% | 29.01% | 17.61% | 21.84% | 3.47% | -2,060 bps | |
| Loan Growth (YoY) | 13.35% | 9.59% | 6.33% | 5.10% | -0.16% | 5.12% | -3.32% | -4.51% | -960 bps | |
| Share Growth (YoY) | 0.87% | 3.53% | 10.19% | 24.25% | 31.52% | 19.07% | 24.35% | 3.54% | -2,072 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.46% | 2.88% | 2.30% | 0.43% | 0.21% | 1.15% | 0.26% | -204 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 | 0.58% | 0.93% | 0.69% | 0.40% | 0.35% | 0.17% | 0.45% | 0.80% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.38% | 10.92% | 11.72% | 10.59% | 10.33% | 10.65% | 10.17% | 11.06% | +48 bps | |
| Net Worth / Assets | 11.38% | 10.92% | 11.72% | 10.59% | 10.33% | 10.65% | 10.17% | 11.06% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.60% | 91.76% | 93.68% | 84.48% | 78.64% | 81.01% | 72.83% | 77.92% | -656 bps | |
| Liquid Assets / Assets | 7.11% | 18.36% | 14.21% | 22.97% | 15.40% | 18.60% | 20.41% | 27.42% | +445 bps | |