Salt Lake City, UT · Charter 67139
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.52% | 0.53% | 0.65% | 0.66% | 1.03% | 0.99% | 0.99% | +34 bps | |
| Return on Equity | 8.09% | 6.49% | 6.76% | 8.14% | 8.25% | 13.07% | 12.89% | 12.46% | +432 bps | |
| Net Interest Margin | 4.01% | 4.01% | 4.01% | 4.05% | 4.03% | 3.96% | 3.94% | 4.05% | 0 bps | |
| Efficiency Ratio | 69.09% | 71.58% | 71.79% | 69.92% | 69.87% | 64.64% | 65.20% | 64.61% | -532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.48% | 13.65% | 13.05% | 11.70% | 12.43% | 12.71% | 12.11% | 10.51% | -119 bps | |
| Loan Growth (YoY) | 7.59% | 11.80% | 19.76% | 16.74% | 10.74% | 13.93% | 14.58% | 12.23% | -451 bps | |
| Share Growth (YoY) | 16.68% | 15.49% | 14.07% | 12.51% | 13.11% | 13.09% | 11.80% | 9.90% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.53% | 1.32% | 1.21% | 1.26% | 1.20% | 1.36% | 1.26% | +5 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 | 0.92% | 0.96% | 0.94% | 0.96% | 1.02% | 1.05% | 0.99% | 0.97% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.26% | 8.03% | 7.91% | 8.01% | 8.01% | 7.90% | 7.70% | 7.93% | -8 bps | |
| Net Worth / Assets | 8.26% | 8.03% | 7.91% | 8.01% | 8.01% | 7.90% | 7.70% | 7.93% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.67% | 83.25% | 84.98% | 87.73% | 84.85% | 83.87% | 87.09% | 89.58% | +186 bps | |
| Liquid Assets / Assets | 8.70% | 13.52% | 9.77% | 8.70% | 12.28% | 12.58% | 8.72% | 103.64% | +9,494 bps | |