Provo, UT · Charter 67109
Q3 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.15% | -0.22% | -0.52% | -0.66% | -0.40% | -0.22% | -0.93% | -41 bps | |
| Return on Equity | 4.55% | 1.57% | -2.49% | -6.29% | -8.19% | -5.16% | -2.78% | -12.42% | -613 bps | |
| Net Interest Margin | 3.86% | 3.55% | 3.14% | 3.04% | 3.10% | 3.26% | 3.30% | 3.16% | +12 bps | |
| Efficiency Ratio | 89.46% | 87.35% | 106.67% | 107.52% | 105.43% | 99.43% | 98.29% | 103.71% | -381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 5.59% | 18.35% | 19.80% | 10.77% | 8.92% | 1.38% | -2.60% | -2,240 bps | |
| Loan Growth (YoY) | 1.30% | -1.78% | -14.71% | -17.78% | -21.37% | -25.35% | -26.96% | -26.46% | -868 bps | |
| Share Growth (YoY) | 2.66% | 5.52% | 20.37% | 22.55% | 12.77% | 10.66% | 2.21% | -1.82% | -2,437 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.46% | 2.96% | 2.34% | 1.87% | 1.39% | 0.26% | 0.76% | 1.75% | -12 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 | 1.04% | 1.37% | 1.39% | 1.54% | 0.99% | 0.80% | 0.53% | 0.82% | -72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.76% | 9.29% | 8.67% | 8.25% | 8.04% | 7.78% | 7.89% | 7.50% | -75 bps | |
| Net Worth / Assets | 9.76% | 9.29% | 8.67% | 8.25% | 8.04% | 7.78% | 7.89% | 7.50% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.92% | 81.64% | 71.40% | 65.64% | 61.30% | 55.07% | 51.02% | 49.17% | -1,648 bps | |
| Liquid Assets / Assets | 19.12% | 24.92% | 33.59% | 38.12% | 21.22% | 21.02% | 26.27% | 24.93% | -1,319 bps | |