Murray, UT · Charter 67164
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.47% | 0.61% | 0.90% | 0.63% | 0.56% | 0.49% | 0.79% | -12 bps | |
| Return on Equity | 3.78% | 5.48% | 6.80% | 9.82% | 6.87% | 6.00% | 5.21% | 6.70% | -312 bps | |
| Net Interest Margin | 3.28% | 3.27% | 3.43% | 3.72% | 3.40% | 3.33% | 3.25% | 3.07% | -65 bps | |
| Efficiency Ratio | 81.10% | 73.91% | 69.47% | 60.23% | 64.43% | 66.11% | 67.19% | 98.11% | +3,788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.06% | -5.63% | -2.67% | -4.73% | 0.15% | -1.13% | 0.07% | -20.54% | -1,581 bps | |
| Loan Growth (YoY) | -26.83% | -34.12% | -4.80% | -7.16% | -5.16% | -15.10% | -29.07% | -33.75% | -2,660 bps | |
| Share Growth (YoY) | -17.67% | -6.77% | -3.75% | -6.00% | -0.69% | -1.93% | -0.44% | -22.74% | -1,674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 0.00% | 0.00% | 0.00% | 0.66% | 0.00% | 0.00% | 0.00% | 0 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 | 6.05% | 2.51% | 2.97% | 3.93% | 4.86% | 5.67% | 7.32% | 9.67% | +574 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 8.53% | 8.94% | 9.19% | 9.23% | 9.29% | 9.42% | 11.73% | +254 bps | |
| Net Worth / Assets | 8.48% | 8.53% | 8.94% | 9.19% | 9.23% | 9.29% | 9.42% | 11.73% | +254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.08% | 26.86% | 28.51% | 25.73% | 23.96% | 23.25% | 20.31% | 22.06% | -367 bps | |
| Liquid Assets / Assets | 77.04% | 73.63% | 72.51% | 75.39% | 76.95% | 77.66% | 80.64% | 79.75% | +436 bps | |