Salt Lake Cy, UT · Charter 67035
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 67035
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.72% | 1.48% | 3.08% | -0.35% | 0.31% | 0.15% | 0.49% | 0.41% | +76 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.82% | 8.46% | 6.91% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.02% | 3.85% | 3.89% | 3.31% | 3.29% | -73 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.00% | 76.88% | 80.44% | 86.77% | 89.23% | +1,523 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.53% | 3.14% | 2.36% | -2.32% | -10.95% | -11.95% | -11.81% | -6.26% | -394 bps | |
| Loan Growth (YoY) | 10.07% | -5.10% | -25.30% | -31.30% | -32.35% | -27.86% | -9.20% | 0.94% | +3,224 bps | |
| Share Growth (YoY) | 7.17% | 6.19% | 6.49% | 1.55% | -8.60% | -12.07% | -12.95% | -7.30% | -886 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.48% | 2.18% | 0.72% | 1.70% | 1.27% | 1.65% | 0.48% | 0.66% | -104 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 | 1.33% | 1.75% | 1.32% | 1.57% | 1.73% | 1.39% | 0.98% | 0.66% | -91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 5.14% | 5.82% | 5.90% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 5.14% | 5.82% | 5.90% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.57% | 80.24% | 64.71% | 62.30% | 64.82% | 65.83% | 67.50% | 67.84% | +554 bps | |
| Liquid Assets / Assets | 14.86% | 20.26% | 24.85% | 26.81% | 12.63% | 19.93% | 29.26% | 22.67% | -414 bps | |