Sandy, UT · Charter 61922
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Sandy, UT · Charter 61922
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | -1.14% | 0.80% | -0.59% | -0.85% | -0.62% | 0.74% | 1.12% | +171 bps | |
| Return on Equity | -39.33% | -21.88% | 14.56% | -11.41% | -17.35% | -12.12% | 14.65% | 20.08% | +3,149 bps | |
| Net Interest Margin | 3.21% | 3.65% | 3.54% | 3.48% | 3.36% | 3.28% | 3.12% | 3.04% | -43 bps | |
| Efficiency Ratio | 100.02% | 86.77% | 76.36% | 74.97% | 75.89% | 75.53% | 78.81% | 80.34% | +536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.39% | -18.59% | -18.99% | -19.67% | -15.80% | -8.56% | -3.24% | -0.88% | +1,879 bps | |
| Loan Growth (YoY) | -21.30% | -23.87% | -26.18% | -28.50% | -32.43% | -27.36% | -22.91% | -17.61% | +1,089 bps | |
| Share Growth (YoY) | -13.08% | -18.14% | -18.76% | -20.12% | -15.65% | -8.21% | -2.47% | -1.09% | +1,903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.10% | 6.53% | 4.01% | 10.18% | 8.90% | 6.77% | 4.22% | 3.51% | -666 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 | 5.61% | 4.72% | 4.33% | 5.22% | 5.40% | 4.58% | 4.21% | 3.68% | -154 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.95% | 5.20% | 5.49% | 5.19% | 4.92% | 5.08% | 5.06% | 5.56% | +37 bps | |
| Net Worth / Assets | 4.95% | 5.20% | 5.49% | 5.19% | 4.92% | 5.08% | 5.06% | 5.56% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.38% | 77.35% | 69.50% | 67.89% | 62.79% | 61.21% | 54.93% | 56.55% | -1,134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.71% | 0.00% | 0 bps | |