Cedar City, UT · Charter 67098
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -1.27% | 1.58% | 0.11% | 0.67% | 1.78% | 0.82% | -0.52% | -63 bps | |
| Return on Equity | -8.76% | -7.65% | 9.29% | 0.63% | 3.71% | 9.80% | 4.11% | -2.61% | -324 bps | |
| Net Interest Margin | 4.65% | 4.21% | 5.40% | 3.65% | 4.30% | 3.86% | 5.28% | 3.49% | -16 bps | |
| Efficiency Ratio | 74.11% | 83.13% | 70.67% | 97.04% | 84.46% | 53.80% | 84.45% | 103.89% | +685 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.68% | -8.94% | -5.38% | -3.22% | -3.98% | -9.21% | -15.55% | -15.91% | -1,269 bps | |
| Loan Growth (YoY) | 38.84% | 39.38% | 1.54% | 2.87% | 0.49% | -12.93% | -17.60% | -21.30% | -2,417 bps | |
| Share Growth (YoY) | -14.77% | -9.29% | -5.37% | -4.33% | -9.40% | -12.18% | -18.44% | -18.82% | -1,448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.63% | 0.00% | 1.25% | 0.00% | 2.02% | 1.99% | 7.23% | +597 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 | 1.29% | 1.30% | 1.42% | 1.44% | 1.80% | 2.00% | 2.21% | 2.31% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.98% | 16.57% | 17.04% | 17.07% | 18.00% | 18.19% | 19.98% | 20.04% | +296 bps | |
| Net Worth / Assets | 16.98% | 16.57% | 17.04% | 17.07% | 18.00% | 18.19% | 19.98% | 20.04% | +296 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.55% | 109.53% | 107.53% | 110.17% | 120.41% | 108.60% | 108.64% | 106.79% | -337 bps | |
| Liquid Assets / Assets | 8.97% | 7.61% | 10.01% | 7.95% | 5.57% | 12.06% | 12.93% | 0.00% | -795 bps | |