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Twin Peaks

Salt Lake Cty, UT · Charter 65087

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Twin Peaks

Salt Lake Cty, UT · Charter 65087

Q2 2007

$4.0MAssets
$2.9MLoans
$3.4MShares
$487KNet Worth

Executive Summary

  • Earnings: ROA of -4.90%, down 421 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.03% of loans (-64 bps YoY).
  • Capital: net worth / assets of 12.13%, down 2 bps from a year ago.
  • Funding: loans stand at 83.17% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

-4.90%-421 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+52 bps YoY

Efficiency Ratio (YTD, annualized)

242%+14,248 bps YoY

Net Worth / Assets

12.13%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.04%-0.03%-1.44%-0.68%-0.44%-0.76%-0.33%-4.90%-421 bps
Return on Equity0.33%-0.27%-11.97%-5.63%-3.54%-5.79%-2.59%-40.38%-3,475 bps
Net Interest Margin3.20%3.07%2.70%2.80%2.85%3.01%2.68%3.32%+52 bps
Efficiency Ratio95.80%98.79%101.19%99.19%98.62%106.16%111.49%242%+14,248 bps
Growth
Asset Growth (YoY)-11.49%-5.65%-0.27%2.14%1.27%-7.15%-7.51%-18.99%-2,114 bps
Loan Growth (YoY)11.61%3.14%8.54%-0.86%-7.00%-6.00%-12.58%-12.18%-1,133 bps
Share Growth (YoY)-13.12%-2.15%2.27%2.69%1.53%-7.77%-11.23%-20.61%-2,329 bps
Asset Quality
Delinquent Loans / Loans1.07%1.02%1.62%0.67%0.63%0.61%0.05%0.03%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.45%0.44%0.23%0.22%0.36%0.30%0.30%+7 bps
Capital
Risk-Based Capital12.98%12.89%12.05%12.15%12.42%13.13%12.60%12.13%-2 bps
Net Worth / Assets12.98%12.89%12.05%12.15%12.42%13.13%12.60%12.13%-2 bps
Liquidity & Funding
Loans / Shares83.02%78.07%77.06%75.19%76.05%79.57%75.90%83.17%+798 bps
Liquid Assets / Assets17.98%15.39%18.54%0.00%0.00%0.00%0.00%0.00%0 bps