Salt Lake Cty, UT · Charter 62494
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 Cty, UT · Charter 62494
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.68% | 0.64% | 0.71% | 0.72% | 0.96% | 1.06% | 1.28% | +57 bps | |
| Return on Equity | 9.07% | 9.02% | 8.47% | 9.72% | 9.83% | 12.83% | 13.79% | 17.11% | +739 bps | |
| Net Interest Margin | 3.08% | 3.08% | 3.14% | 3.23% | 3.25% | 3.32% | 3.30% | 3.14% | -8 bps | |
| Efficiency Ratio | 78.63% | 79.10% | 80.52% | 78.31% | 78.43% | 75.50% | 73.95% | 70.63% | -768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.03% | 18.79% | 20.35% | 18.43% | 15.02% | 12.95% | 15.02% | 15.57% | -286 bps | |
| Loan Growth (YoY) | 9.44% | 9.98% | 18.19% | 14.73% | 13.56% | 11.38% | 5.91% | 11.09% | -363 bps | |
| Share Growth (YoY) | 19.10% | 19.58% | 20.78% | 18.78% | 15.02% | 12.66% | 14.10% | 15.67% | -311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.68% | 0.85% | 0.83% | 0.73% | 0.65% | 0.69% | 0.78% | -5 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 | 0.74% | 0.68% | 0.61% | 0.63% | 0.63% | 0.63% | 0.68% | 0.69% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.53% | 7.59% | 7.33% | 7.32% | 7.51% | 7.65% | 7.50% | +17 bps | |
| Net Worth / Assets | 7.68% | 7.53% | 7.59% | 7.33% | 7.32% | 7.51% | 7.65% | 7.50% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.61% | 88.42% | 95.08% | 86.08% | 86.50% | 87.42% | 88.25% | 82.67% | -341 bps | |
| Liquid Assets / Assets | 12.01% | 11.72% | 5.24% | 12.70% | 8.32% | 6.67% | 4.99% | 11.04% | -166 bps | |