Salt Lake City, UT · Charter 12034
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Salt Lake City, UT · Charter 12034
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.39% | 0.21% | -0.02% | 0.24% | -0.98% | -0.79% | -4.37% | -435 bps | |
| Return on Equity | 0.65% | 0.89% | 0.47% | -0.06% | 0.56% | -2.36% | -1.90% | -10.35% | -1,029 bps | |
| Net Interest Margin | 3.66% | 3.13% | 3.25% | 3.06% | 3.16% | 2.92% | 1.53% | 0.03% | -303 bps | |
| Efficiency Ratio | 92.01% | 87.73% | 87.97% | 96.00% | 91.33% | 94.57% | 147.30% | 2590% | +249,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | -1.28% | 2.36% | 2.31% | 2.16% | 3.76% | 4.87% | -1.66% | -397 bps | |
| Loan Growth (YoY) | -10.06% | -17.83% | -10.91% | -3.87% | -8.78% | -5.77% | -22.17% | -39.98% | -3,611 bps | |
| Share Growth (YoY) | -2.78% | -4.02% | 2.25% | 5.16% | 3.27% | 8.50% | 8.54% | -0.81% | -597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 3.32% | 3.65% | 4.55% | 4.79% | 0.22% | 0.70% | 0.28% | -427 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 | 0.39% | 0.42% | 0.86% | 0.80% | 0.83% | 0.65% | 0.83% | 4.00% | +321 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 44.59% | 43.85% | 43.84% | 43.41% | 43.12% | 41.32% | 41.73% | 42.28% | -114 bps | |
| Net Worth / Assets | 44.59% | 43.85% | 43.84% | 43.41% | 43.12% | 41.32% | 41.73% | 42.28% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.14% | 67.68% | 63.60% | 68.31% | 64.61% | 58.78% | 45.60% | 41.34% | -2,697 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |