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Yourbank.com

Salt Lake City, UT · Cert 35600

FDIC

Q4 2001

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 2001, the quarter ended December 31, 2001, 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: FFIEC Call Report (031/041/051), 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

Yourbank.com

Salt Lake City, UT · Cert 35600

FDIC

Q4 2001

$22.5MAssets
$25KLoans
$13.3MDeposits
$8.5MEquity
Deposit mix
100%Interest-bearing $13.3M0%Noninterest $0.0MQ1 2001Q4 2001

NIM

14.02%Q1 ’0113.82%Q3 ’0118.08%Q4 ’01+1%+43%

Non-interest income vs. expense

6.03%Q1 ’016.59%Q3 ’016.40%Q4 ’01-2%+236%

Executive Summary

  • Earnings: ROA of 5.12%; NIM at 14.29%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 0.19% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

5.12%

Net Interest Margin (YTD, annualized)

14.29%

Efficiency Ratio (YTD, annualized)

44.79%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.54%2.60%3.95%5.12%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Margin9.92%6.97%10.01%14.29%n/a
Efficiency Ratio43.03%46.64%44.83%44.79%n/a
Non-Interest Burden1.94%1.52%1.91%6.40%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/a
Allowance / Loans2.06%2.00%2.02%0.00%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a
Total Risk-Based Capital37.21%40.46%55.96%65.16%n/a
Equity / Assets23.08%27.33%33.41%37.58%n/a
Liquidity & Funding
Loans / Deposits69.25%69.82%86.34%0.19%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.89%n/a
CRE / Total Capitaln/an/an/an/an/an/a