Salt Lake Cy, UT · Charter 66986
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 66986
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -0.97% | -0.65% | -0.21% | -0.17% | -0.21% | 0.02% | 0.03% | +24 bps | |
| Return on Equity | -9.48% | -10.83% | -6.84% | -2.29% | -1.80% | -2.26% | 0.19% | 0.29% | +258 bps | |
| Net Interest Margin | 3.18% | 3.19% | 3.32% | 3.10% | 3.05% | 3.06% | 3.11% | 2.91% | -18 bps | |
| Efficiency Ratio | 103.85% | 101.70% | 98.43% | 87.15% | 87.13% | 87.34% | 84.90% | 78.25% | -889 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | 1.53% | -0.68% | -1.35% | -1.47% | -4.36% | -1.83% | 3.03% | +438 bps | |
| Loan Growth (YoY) | -4.01% | -3.52% | -3.82% | -7.43% | -12.83% | -6.42% | -1.36% | 3.00% | +1,044 bps | |
| Share Growth (YoY) | 0.94% | 2.89% | 0.06% | -0.86% | -1.10% | -4.63% | -1.95% | 3.39% | +426 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.13% | 0.92% | 0.91% | 0.95% | 0.87% | 0.89% | 0.61% | -30 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 | 1.39% | 1.41% | 1.02% | 1.50% | 1.45% | 1.65% | 1.36% | 1.57% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.40% | 8.98% | 9.45% | 9.28% | 9.27% | 9.34% | 9.65% | 9.08% | -20 bps | |
| Net Worth / Assets | 9.40% | 8.98% | 9.45% | 9.28% | 9.27% | 9.34% | 9.65% | 9.08% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.66% | 61.55% | 62.96% | 59.06% | 56.11% | 60.40% | 63.34% | 58.84% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |