Price, UT · Charter 67121
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Price, UT · Charter 67121
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 | 0.57% | 0.93% | 1.06% | 1.15% | 1.13% | 1.00% | 1.31% | 1.35% | +21 bps | |
| Return on Equity | 8.58% | 13.08% | 14.98% | 15.53% | 15.03% | 13.10% | 16.76% | 16.61% | +108 bps | |
| Net Interest Margin | 3.93% | 3.98% | 4.11% | 4.16% | 4.12% | 3.82% | 3.89% | 4.00% | -16 bps | |
| Efficiency Ratio | 86.75% | 79.41% | 75.19% | 73.25% | 72.79% | 78.08% | 72.16% | 73.12% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.87% | 19.79% | 24.68% | 26.17% | 17.46% | 12.79% | 7.89% | 7.65% | -1,852 bps | |
| Loan Growth (YoY) | 21.14% | 20.64% | 23.21% | 23.86% | 17.14% | 5.24% | 8.40% | 8.36% | -1,550 bps | |
| Share Growth (YoY) | 10.10% | 19.15% | 24.08% | 25.81% | 12.71% | 12.16% | 7.14% | 6.77% | -1,904 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.80% | 0.54% | 0.68% | 0.43% | 0.61% | 0.50% | 0.67% | -2 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 | 1.01% | 0.67% | 0.54% | 0.46% | 0.49% | 0.51% | 0.45% | 0.46% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.60% | 7.07% | 7.11% | 7.38% | 7.54% | 7.63% | 7.83% | 8.14% | +76 bps | |
| Net Worth / Assets | 6.60% | 7.07% | 7.11% | 7.38% | 7.54% | 7.63% | 7.83% | 8.14% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.01% | 79.21% | 75.60% | 76.62% | 78.99% | 74.32% | 76.50% | 77.75% | +114 bps | |
| Liquid Assets / Assets | 16.07% | 11.14% | 9.88% | 9.29% | 10.96% | 12.86% | 11.43% | 12.64% | +335 bps | |