Salt Lake City, UT · Charter 13419
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 13419
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -4.06% | 3.49% | -0.95% | -0.92% | -0.60% | -1.00% | 1.23% | +218 bps | |
| Return on Equity | -13.97% | -45.67% | 36.82% | -11.38% | -10.50% | -6.54% | -11.50% | 12.58% | +2,396 bps | |
| Net Interest Margin | 3.57% | 3.83% | 3.97% | 3.73% | 3.81% | 3.72% | 2.62% | 2.73% | -100 bps | |
| Efficiency Ratio | 93.46% | 93.63% | 84.86% | 87.24% | 89.78% | 89.22% | 94.97% | 80.74% | -650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | -7.42% | 0.23% | -2.73% | -12.27% | -8.44% | -9.90% | -9.67% | -695 bps | |
| Loan Growth (YoY) | -12.68% | -15.53% | -18.11% | -24.75% | -19.81% | -20.66% | -27.04% | -32.92% | -817 bps | |
| Share Growth (YoY) | 5.16% | -2.96% | 3.73% | 0.86% | -10.41% | -9.49% | -9.13% | -10.99% | -1,185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 4.39% | 4.53% | 0.38% | 0.72% | 1.69% | 0.78% | 0.00% | -38 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 | 1.15% | 4.93% | 4.02% | 4.10% | 4.23% | 3.98% | 5.10% | 4.15% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.98% | 8.89% | 9.47% | 8.37% | 8.80% | 9.11% | 8.66% | 9.75% | +138 bps | |
| Net Worth / Assets | 10.98% | 8.89% | 9.47% | 8.37% | 8.80% | 9.11% | 8.66% | 9.75% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.66% | 65.93% | 61.46% | 55.93% | 60.56% | 57.79% | 49.35% | 42.15% | -1,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |