Salt Lake Cy, UT · Charter 67120
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 | 0.11% | -0.16% | -0.32% | -0.03% | -0.03% | 0.04% | -0.69% | -0.60% | -57 bps | |
| Return on Equity | 0.67% | -1.01% | -1.99% | -0.16% | -0.17% | 0.22% | -4.53% | -3.96% | -380 bps | |
| Net Interest Margin | 4.44% | 3.92% | 3.87% | 4.30% | 4.48% | 4.78% | 4.52% | 4.49% | +19 bps | |
| Efficiency Ratio | 91.56% | 92.62% | 97.52% | 93.20% | 92.39% | 90.58% | 95.01% | 100.44% | +725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 9.66% | 9.21% | 8.26% | 7.05% | -2.49% | 4.53% | 3.16% | -510 bps | |
| Loan Growth (YoY) | 29.44% | 7.01% | 1.10% | 5.69% | 2.97% | 13.81% | 0.14% | -11.49% | -1,718 bps | |
| Share Growth (YoY) | 3.19% | 13.33% | 11.52% | 17.15% | 8.97% | -2.73% | 5.57% | 4.07% | -1,308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.17% | 0.86% | 0.61% | 1.05% | 0.80% | 0.38% | 0.65% | +4 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 | 0.89% | 1.21% | 0.89% | 0.90% | 1.08% | 0.90% | 0.76% | 0.85% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.14% | 16.00% | 16.14% | 15.79% | 15.67% | 16.20% | 15.30% | 15.05% | -73 bps | |
| Net Worth / Assets | 17.14% | 16.00% | 16.14% | 15.79% | 15.67% | 16.20% | 15.30% | 15.05% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.36% | 89.80% | 97.14% | 105.70% | 102.39% | 105.06% | 92.14% | 89.89% | -1,580 bps | |
| Liquid Assets / Assets | 6.55% | 21.57% | 15.11% | 7.12% | 9.66% | 7.90% | 16.68% | 19.65% | +1,253 bps | |