PackageTrendsPeer
Letter portraitLegal landscape

Smith's Food & Drug

Salt Lake City, UT · Charter 19565

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Smith's Food & Drug

Salt Lake City, UT · Charter 19565

Q4 2000

$10.4MAssets
$7.3MLoans
$8.0MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 313 bps year over year; NIM at 6.42%.
  • Asset quality: problem loans at 3.67% of loans (+121 bps YoY).
  • Capital: net worth / assets of 23.47%.
  • Funding: loans stand at 91.45% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.31%-313 bps YoY

Net Interest Margin (YTD, annualized)

6.42%

Efficiency Ratio (YTD, annualized)

87.85%

Net Worth / Assets

23.47%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.95%4.12%3.62%3.44%2.59%0.62%0.53%0.31%-313 bps
Return on Equityn/an/an/an/an/an/an/a1.32%n/an/a
Net Interest Marginn/an/an/an/an/a5.69%5.84%6.42%n/a
Efficiency Ration/an/an/an/an/a84.09%85.52%87.85%n/a
Growth
Asset Growth (YoY)-2.73%0.66%-10.11%-5.27%-8.30%-6.42%-10.70%-10.16%-490 bps
Loan Growth (YoY)17.82%28.14%30.44%4.37%-7.13%-19.26%-24.00%-17.17%-2,155 bps
Share Growth (YoY)-7.18%-3.34%-15.18%-9.46%-12.35%-9.65%-14.87%-13.78%-432 bps
Asset Quality
Delinquent Loans / Loans4.20%2.94%1.42%2.46%2.04%3.17%2.92%3.67%+121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.89%2.01%1.42%2.33%2.13%2.56%1.99%1.86%-47 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a23.47%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a23.47%n/an/a
Liquidity & Funding
Loans / Shares78.45%94.06%97.60%95.21%83.13%84.05%87.13%91.45%-375 bps
Liquid Assets / Assets22.41%18.93%10.81%4.49%6.02%19.13%22.78%25.39%+2,090 bps