Sandy, UT · Charter 67034
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Sandy, UT · Charter 67034
Q2 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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.51% | -0.17% | 0.34% | 0.61% | 0.72% | -0.27% | 0.14% | -21 bps | |
| Return on Equity | 5.37% | 4.78% | -1.65% | 3.45% | 5.99% | 6.73% | -2.67% | 1.37% | -208 bps | |
| Net Interest Margin | 3.73% | 3.80% | 3.81% | 3.65% | 3.69% | 3.79% | 3.29% | 3.27% | -38 bps | |
| Efficiency Ratio | 63.75% | 63.58% | 68.23% | 67.84% | 67.08% | 65.95% | 79.42% | 76.31% | +847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.09% | 19.71% | 12.83% | 11.73% | 8.21% | 7.27% | 7.84% | 6.63% | -510 bps | |
| Loan Growth (YoY) | 0.43% | 2.30% | 2.70% | 0.18% | -2.16% | -8.36% | -5.96% | -0.23% | -41 bps | |
| Share Growth (YoY) | 24.12% | 21.86% | 14.21% | 13.13% | 8.82% | 7.57% | 8.13% | 6.82% | -631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.96% | 1.93% | 1.70% | 1.44% | 1.36% | 1.18% | 1.12% | -59 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 | 0.95% | 1.05% | 1.27% | 1.09% | 0.98% | 0.81% | 0.95% | 0.81% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 10.69% | 10.24% | 10.00% | 10.27% | 10.68% | 10.15% | 9.95% | -5 bps | |
| Net Worth / Assets | 10.53% | 10.69% | 10.24% | 10.00% | 10.27% | 10.68% | 10.15% | 9.95% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.66% | 87.24% | 82.91% | 76.32% | 75.22% | 74.32% | 72.11% | 71.28% | -504 bps | |
| Liquid Assets / Assets | 22.37% | 19.35% | 21.36% | 25.78% | 29.36% | 26.18% | 27.43% | 27.19% | +141 bps | |