Salt Lake Cy, UT · Charter 67113
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.66% | -0.78% | -0.88% | 0.14% | 0.95% | -1.39% | -6.39% | -552 bps | |
| Return on Equity | -1.67% | -2.74% | -3.24% | -3.68% | 0.59% | 3.97% | -5.90% | -31.99% | -2,831 bps | |
| Net Interest Margin | 4.66% | 4.43% | 4.41% | 4.38% | 4.31% | 4.04% | 4.00% | 2.93% | -145 bps | |
| Efficiency Ratio | 108.56% | 114.57% | 117.38% | 119.69% | 93.72% | 81.45% | 125.72% | 287% | +16,716 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 1.72% | -1.45% | 0.51% | -3.39% | -2.74% | -5.59% | -11.74% | -1,225 bps | |
| Loan Growth (YoY) | -1.20% | -5.48% | -8.01% | -6.82% | -6.34% | -1.25% | -12.45% | -20.55% | -1,373 bps | |
| Share Growth (YoY) | 3.67% | 3.03% | -1.42% | 1.92% | -2.68% | -2.41% | 0.04% | -4.00% | -593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.52% | 0.00% | 0.00% | 0.00% | 0.00% | 3.14% | +314 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 | 0.30% | 0.35% | 0.39% | 0.46% | 0.54% | 0.54% | 0.84% | 0.93% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.33% | 23.95% | 24.07% | 23.80% | 23.89% | 24.03% | 23.59% | 19.99% | -382 bps | |
| Net Worth / Assets | 24.33% | 23.95% | 24.07% | 23.80% | 23.89% | 24.03% | 23.59% | 19.99% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.33% | 49.62% | 53.14% | 52.64% | 51.32% | 50.22% | 46.50% | 43.57% | -907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |