Salt Lake City, UT · Charter 19565
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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 19565
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.44% | 2.59% | 0.62% | 0.53% | 0.31% | -313 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.32% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.69% | 5.84% | 6.42% | n/a | |
| Efficiency Ratio | n/a | n/a | 84.09% | 85.52% | 87.85% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.27% | -8.30% | -6.42% | -10.70% | -10.16% | -490 bps | |
| Loan Growth (YoY) | 4.37% | -7.13% | -19.26% | -24.00% | -17.17% | -2,155 bps | |
| Share Growth (YoY) | -9.46% | -12.35% | -9.65% | -14.87% | -13.78% | -432 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.46% | 2.04% | 3.17% | 2.92% | 3.67% | +121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.33% | 2.13% | 2.56% | 1.99% | 1.86% | -47 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 23.47% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 23.47% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.21% | 83.13% | 84.05% | 87.13% | 91.45% | -375 bps | |
| Liquid Assets / Assets | 4.49% | 6.02% | 19.13% | 22.78% | 25.39% | +2,090 bps | |