Salt Lake Cy, UT · Charter 66838
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 Cy, UT · Charter 66838
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -0.98% | 0.84% | 0.80% | 0.72% | 0.80% | 0.59% | 0.78% | -2 bps | |
| Return on Equity | -16.77% | -9.23% | 8.27% | 7.89% | 7.11% | 7.56% | 5.60% | 7.41% | -48 bps | |
| Net Interest Margin | 3.77% | 3.90% | 3.76% | 3.73% | 3.75% | 3.82% | 3.65% | 3.61% | -12 bps | |
| Efficiency Ratio | 143.79% | 107.37% | 73.89% | 73.37% | 74.47% | 74.82% | 81.61% | 78.01% | +463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.70% | 8.45% | 9.30% | 9.10% | 9.58% | 8.99% | 4.90% | 3.70% | -540 bps | |
| Loan Growth (YoY) | 15.35% | 29.41% | 33.49% | 34.06% | 28.58% | 17.73% | 10.61% | 4.55% | -2,951 bps | |
| Share Growth (YoY) | 13.84% | 9.79% | 10.60% | 8.70% | 8.93% | 8.65% | 4.30% | 3.46% | -524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.85% | 0.80% | 0.65% | 0.38% | 0.51% | 0.43% | 0.50% | -15 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 | 0.87% | 1.04% | 1.04% | 1.01% | 0.93% | 0.90% | 0.90% | 0.91% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.22% | 10.62% | 10.20% | 10.12% | 10.15% | 10.54% | 10.45% | 10.54% | +42 bps | |
| Net Worth / Assets | 10.22% | 10.62% | 10.20% | 10.12% | 10.15% | 10.54% | 10.45% | 10.54% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.09% | 80.63% | 77.58% | 80.75% | 85.10% | 87.37% | 82.28% | 81.60% | +85 bps | |
| Liquid Assets / Assets | 17.52% | 16.91% | 22.50% | 14.73% | 10.71% | 9.75% | 12.63% | 14.55% | -17 bps | |