Salt Lake City, UT · Charter 786
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.80% | 4.03% | 4.17% | 4.60% | 4.64% | 4.68% | 5.11% | 3.79% | -82 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 | n/a | n/a | 19.70% | 22.04% | 15.35% | 13.79% | 10.67% | -902 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 29.38% | 28.48% | 11.65% | 13.12% | 10.12% | -1,926 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 19.14% | 21.85% | 20.21% | 12.68% | 10.16% | -898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.79% | 3.08% | 0.68% | 1.70% | 1.91% | 4.43% | 1.92% | +124 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 | 2.03% | 1.69% | 1.78% | 1.61% | 1.38% | 1.32% | 1.16% | 1.01% | -60 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 | 95.46% | 109.28% | 107.42% | 93.20% | 100.65% | 101.50% | 107.85% | 93.16% | -3 bps | |
| Liquid Assets / Assets | 10.43% | 4.66% | 0.69% | 1.79% | 3.64% | 3.02% | 0.38% | 10.38% | +859 bps | |