Magna, UT · Charter 61358
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Magna, UT · Charter 61358
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.43% | 3.14% | 2.94% | 0.01% | 1.04% | -0.03% | -0.50% | -1.85% | -186 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -0.24% | -5.74% | -19.59% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.07% | 5.43% | 4.80% | 3.68% | 4.00% | -7 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 94.61% | 78.84% | 88.96% | 105.36% | 106.76% | +1,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.22% | 5.43% | 11.72% | 6.48% | -2.72% | -10.95% | -6.10% | -11.55% | -1,803 bps | |
| Loan Growth (YoY) | -4.53% | -10.63% | -16.65% | -7.71% | 4.04% | 17.84% | 0.83% | -23.54% | -1,583 bps | |
| Share Growth (YoY) | -5.50% | 5.61% | 13.56% | 7.56% | -0.73% | -12.04% | -7.14% | -12.03% | -1,959 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 4.56% | 5.18% | 3.09% | 1.11% | 1.70% | 3.80% | 6.24% | +315 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 | 2.90% | 3.13% | 3.11% | 2.83% | 1.43% | 1.74% | 1.21% | 2.67% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.02% | 8.72% | 9.43% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.02% | 8.72% | 9.43% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.59% | 71.17% | 67.92% | 77.68% | 85.51% | 95.35% | 73.76% | 67.52% | -1,016 bps | |
| Liquid Assets / Assets | 10.45% | 6.14% | 25.37% | 25.04% | 7.44% | 3.20% | 14.15% | 35.81% | +1,077 bps | |