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Paracelsus HCS Employees

Salt Lake City, UT · Charter 12034

Q2 2011

$1.3MAssets
$309KLoans
$747KShares
$556KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.37%, down 435 bps year over year; NIM at 0.03%.
  • Asset quality: problem loans at 0.28% of loans (-427 bps YoY).
  • Capital: net worth / assets of 42.28%, down 114 bps from a year ago.
  • Funding: loans stand at 41.34% of shares as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

-4.37%-435 bps YoY

Net Interest Margin (quarter, annualized)

0.03%-303 bps YoY

Efficiency Ratio (quarter, annualized)

2590%+249,373 bps YoY

Net Worth / Assets

42.28%-114 bps YoY

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.02%0.24%-0.98%-0.79%-4.37%-435 bps
Return on Equity-0.06%0.56%-2.36%-1.90%-10.35%-1,029 bps
Net Interest Margin3.06%3.16%2.92%1.53%0.03%-303 bps
Efficiency Ratio96.00%91.33%94.57%147.30%2590%+249,373 bps
Growth
Asset Growth (YoY)2.31%2.16%3.76%4.87%-1.66%-397 bps
Loan Growth (YoY)-3.87%-8.78%-5.77%-22.17%-39.98%-3,611 bps
Share Growth (YoY)5.16%3.27%8.50%8.54%-0.81%-597 bps
Asset Quality
Delinquent Loans / Loans4.55%4.79%0.22%0.70%0.28%-427 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.83%0.65%0.83%4.00%+321 bps
Capital
Risk-Based Capital43.41%43.12%41.32%41.73%42.28%-114 bps
Net Worth / Assets43.41%43.12%41.32%41.73%42.28%-114 bps
Liquidity & Funding
Loans / Shares68.31%64.61%58.78%45.60%41.34%-2,697 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps