Salt Lake Cy, UT · Charter 67050
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 67050
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.41% | -0.37% | -2.91% | -1.32% | -1.26% | -3.21% | 1.95% | +486 bps | |
| Return on Equity | -1.03% | -2.31% | -2.22% | -15.27% | -6.61% | -5.13% | -12.61% | 7.63% | +2,291 bps | |
| Net Interest Margin | 1.27% | 1.03% | 0.98% | -1.18% | 0.44% | 1.15% | -0.22% | 4.95% | +614 bps | |
| Efficiency Ratio | 114.06% | 139.49% | 137.45% | n/a | 402% | 210% | n/a | 60.56% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.51% | 18.93% | 19.96% | -15.08% | -21.47% | -35.76% | -46.03% | -30.04% | -1,496 bps | |
| Loan Growth (YoY) | -11.56% | -9.92% | -8.97% | -27.99% | -19.30% | -24.85% | -20.98% | -19.05% | +894 bps | |
| Share Growth (YoY) | 28.50% | 21.78% | 23.35% | -17.07% | -24.48% | -41.52% | -52.19% | -35.90% | -1,883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 29.36% | 9.00% | 7.33% | 7.59% | 5.57% | 7.39% | 12.53% | 1.86% | -574 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% | 0.99% | 1.04% | 1.10% | 1.18% | 1.32% | 1.32% | 1.36% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.35% | 17.59% | 16.57% | 19.06% | 20.01% | 24.61% | 25.42% | 25.60% | +654 bps | |
| Net Worth / Assets | 17.35% | 17.59% | 16.57% | 19.06% | 20.01% | 24.61% | 25.42% | 25.60% | +654 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.16% | 57.71% | 51.14% | 64.29% | 63.21% | 74.16% | 84.51% | 81.20% | +1,691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |