Logan, UT · Charter 67161
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.03% | -0.05% | -0.15% | -0.27% | -0.54% | -1.17% | -0.02% | +14 bps | |
| Return on Equity | 2.19% | 0.39% | -0.53% | -1.80% | -3.23% | -7.18% | -14.40% | -0.21% | +159 bps | |
| Net Interest Margin | 2.24% | 2.15% | 2.48% | 2.20% | 2.09% | 1.95% | 2.42% | 2.21% | +2 bps | |
| Efficiency Ratio | 93.14% | 98.71% | 101.70% | 106.51% | 111.73% | 125.59% | 115.32% | 100.64% | -586 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -14.77% | -16.14% | -11.92% | -4.28% | 1.47% | -3.24% | -3.28% | +864 bps | |
| Loan Growth (YoY) | -9.17% | 3.20% | 2.34% | -9.60% | -11.32% | -11.17% | -11.26% | 5.71% | +1,531 bps | |
| Share Growth (YoY) | -4.93% | -15.68% | -17.28% | -12.72% | -4.39% | 2.04% | -2.54% | -2.45% | +1,027 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.79% | 4.97% | 5.20% | 5.35% | 5.14% | 5.10% | 2.04% | 0.00% | -535 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 | 2.93% | 2.79% | 2.85% | 3.21% | 2.48% | 2.36% | 1.61% | 1.52% | -169 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.12% | 8.06% | 8.99% | 8.50% | 8.22% | 7.54% | 8.12% | 7.71% | -79 bps | |
| Net Worth / Assets | 8.12% | 8.06% | 8.99% | 8.50% | 8.22% | 7.54% | 8.12% | 7.71% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.27% | 55.99% | 62.10% | 52.08% | 49.41% | 48.74% | 56.54% | 56.44% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |