Spanish Fork, UT · Charter 68034
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.31% | 4.66% | -0.55% | 0.66% | 0.45% | 1.37% | 1.07% | 1.37% | +71 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.52% | 15.59% | 11.89% | 15.31% | n/a | |
| Net Interest Margin | n/a | n/a | 4.09% | 4.78% | 4.80% | 4.31% | 4.37% | 4.21% | -57 bps | |
| Efficiency Ratio | n/a | n/a | 92.21% | 93.61% | 91.80% | 77.32% | 79.88% | 81.47% | -1,214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 74.84% | 73.45% | 23.42% | 6.33% | 8.46% | 18.80% | 23.64% | 33.30% | +2,698 bps | |
| Loan Growth (YoY) | 70.59% | 48.27% | 22.58% | 18.52% | 20.00% | 33.64% | 24.57% | 31.29% | +1,277 bps | |
| Share Growth (YoY) | 57.50% | 65.45% | 20.46% | 6.81% | 17.70% | 23.53% | 27.00% | 32.79% | +2,598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.82% | 0.61% | 0.64% | 0.57% | 0.54% | 1.05% | 0.01% | -63 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 | 0.74% | 0.01% | 0.98% | 0.71% | 0.88% | 0.81% | 1.19% | 0.85% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.18% | 8.80% | 8.96% | 8.96% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.18% | 8.80% | 8.96% | 8.96% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.36% | 80.30% | 88.97% | 90.05% | 93.15% | 86.87% | 87.27% | 89.04% | -102 bps | |
| Liquid Assets / Assets | 16.36% | 23.99% | 11.16% | 10.73% | 6.56% | 15.62% | 10.55% | 14.51% | +379 bps | |