Salt Lake City, UT · Charter 67166
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.83% | 5.31% | 4.56% | 4.91% | 4.72% | 4.85% | 4.63% | 4.86% | -4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -10.23% | -9.42% | -1.96% | 0.08% | 5.71% | 16.95% | 20.65% | +2,261 bps | |
| Loan Growth (YoY) | n/a | 35.88% | 24.47% | 36.07% | 29.49% | 23.40% | 5.59% | -6.36% | -4,243 bps | |
| Share Growth (YoY) | n/a | -14.48% | -13.55% | -5.38% | -3.29% | 2.88% | 15.75% | 20.48% | +2,586 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.75% | 0.64% | 0.69% | 0.76% | 0.67% | 1.06% | 0.98% | +28 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 | 1.30% | 1.26% | 0.98% | 0.89% | 0.69% | 0.96% | 0.82% | 0.83% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.84% | 85.99% | 86.34% | 105.10% | 100.20% | 103.14% | 78.76% | 81.69% | -2,341 bps | |
| Liquid Assets / Assets | 31.35% | 21.75% | 21.43% | 6.32% | 10.65% | 9.27% | 29.34% | 0.00% | -632 bps | |