Draper, UT · Charter 67094
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Draper, UT · Charter 67094
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.53% | -3.73% | -1.73% | -0.77% | -2.46% | -3.47% | -7.38% | -565 bps | |
| Return on Equity | 7.97% | 4.59% | -27.78% | -10.56% | -5.32% | -18.64% | -28.96% | -70.96% | -6,040 bps | |
| Net Interest Margin | 4.95% | 5.68% | 5.30% | 5.89% | 5.22% | 4.90% | 4.01% | 4.22% | -168 bps | |
| Efficiency Ratio | 84.98% | 90.79% | 110.68% | 94.04% | 88.64% | 120.48% | 177.66% | 233% | +13,930 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.13% | -14.55% | -42.51% | -51.11% | -39.31% | -28.15% | -9.06% | -2.09% | +4,902 bps | |
| Loan Growth (YoY) | -14.38% | -16.85% | -22.86% | -31.07% | -35.23% | -30.24% | -22.97% | -3.29% | +2,778 bps | |
| Share Growth (YoY) | 1.07% | -16.50% | -46.12% | -55.55% | -42.81% | -32.15% | -7.73% | 4.68% | +6,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 1.44% | 3.61% | 1.09% | 2.14% | 3.61% | 2.29% | 5.01% | +392 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 | 0.73% | 0.81% | 1.49% | 0.00% | 0.00% | 0.08% | 0.34% | 1.13% | +113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.63% | 11.52% | 13.41% | 16.35% | 14.44% | 13.22% | 11.97% | 10.40% | -595 bps | |
| Net Worth / Assets | 9.63% | 11.52% | 13.41% | 16.35% | 14.44% | 13.22% | 11.97% | 10.40% | -595 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.79% | 59.63% | 69.22% | 71.00% | 59.79% | 61.31% | 57.78% | 65.59% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |