Snowbird, UT · Charter 67080
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.
Snowbird, UT · Charter 67080
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 | 5.56% | 5.35% | 2.81% | 0.50% | 1.00% | -0.07% | 0.64% | -1.11% | -160 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -0.51% | 4.64% | -8.52% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.65% | 5.46% | 5.46% | 5.64% | 5.72% | +7 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.62% | 69.41% | 79.61% | 59.53% | 66.95% | -767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | -1.63% | -3.56% | -13.29% | 5.32% | 3.52% | 15.22% | -2.85% | +1,044 bps | |
| Loan Growth (YoY) | 8.31% | 15.76% | 1.93% | 7.79% | 9.54% | -5.17% | -3.94% | -35.24% | -4,303 bps | |
| Share Growth (YoY) | 3.59% | -3.73% | -7.44% | -15.62% | 3.68% | 4.46% | 18.92% | -1.66% | +1,396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.73% | 2.55% | 4.60% | 5.75% | 4.13% | 5.13% | 3.21% | 3.67% | -208 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 | 0.86% | 1.10% | 1.35% | 1.03% | 1.36% | 2.48% | 1.14% | 2.29% | +126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.87% | 13.74% | 12.98% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.87% | 13.74% | 12.98% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.42% | 109.54% | 114.05% | 103.20% | 109.27% | 99.45% | 92.13% | 67.96% | -3,524 bps | |
| Liquid Assets / Assets | 8.77% | 2.22% | 0.00% | 5.56% | 1.87% | 14.87% | 19.63% | 40.90% | +3,535 bps | |