Salt Lake Cy, UT · Charter 67030
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 67030
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | -4.20% | -58.68% | -40.60% | 3.79% | 2.71% | -2.47% | 0.00% | +4,060 bps | |
| Return on Equity | 1.16% | -12.54% | -463% | -328% | 18.63% | 12.68% | -13.26% | 0.00% | +32,757 bps | |
| Net Interest Margin | 6.10% | 2.85% | 3.77% | 3.30% | 3.79% | 6.68% | 3.33% | 0.00% | -330 bps | |
| Efficiency Ratio | 93.52% | 182.38% | 156.59% | 183.99% | 0.00% | 59.52% | 160.98% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -48.55% | -30.63% | -38.39% | -32.85% | -17.35% | -17.57% | -0.49% | -96.64% | -6,379 bps | |
| Loan Growth (YoY) | -32.09% | -38.78% | -58.91% | -51.84% | -35.53% | -26.55% | -61.01% | -100.00% | -4,816 bps | |
| Share Growth (YoY) | -59.20% | -39.09% | -27.19% | -16.42% | 0.82% | -1.77% | -7.30% | -98.10% | -8,168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 43.97% | 50.87% | 0.00% | 0.00% | 0.00% | 4.07% | 0.00% | n/a | n/a | |
| 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 | 9.11% | 10.54% | 21.39% | 21.35% | 16.83% | 17.07% | 27.69% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 34.19% | 33.48% | 12.67% | 12.39% | 20.33% | 21.33% | 18.64% | 50.60% | +3,820 bps | |
| Net Worth / Assets | 34.19% | 33.48% | 12.67% | 12.39% | 20.33% | 21.33% | 18.64% | 50.60% | +3,820 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.21% | 69.33% | 36.49% | 37.71% | 50.65% | 51.84% | 15.35% | 0.00% | -3,771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |