Salt Lake Cy, UT · Charter 67120
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.
Salt Lake Cy, UT · Charter 67120
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.03% | 0.04% | -0.69% | -0.60% | -57 bps | |
| Return on Equity | -0.16% | -0.17% | 0.22% | -4.53% | -3.96% | -380 bps | |
| Net Interest Margin | 4.30% | 4.48% | 4.78% | 4.52% | 4.49% | +19 bps | |
| Efficiency Ratio | 93.20% | 92.39% | 90.58% | 95.01% | 100.44% | +725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.26% | 7.05% | -2.49% | 4.53% | 3.16% | -510 bps | |
| Loan Growth (YoY) | 5.69% | 2.97% | 13.81% | 0.14% | -11.49% | -1,718 bps | |
| Share Growth (YoY) | 17.15% | 8.97% | -2.73% | 5.57% | 4.07% | -1,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 1.05% | 0.80% | 0.38% | 0.65% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 1.08% | 0.90% | 0.76% | 0.85% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.79% | 15.67% | 16.20% | 15.30% | 15.05% | -73 bps | |
| Net Worth / Assets | 15.79% | 15.67% | 16.20% | 15.30% | 15.05% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.70% | 102.39% | 105.06% | 92.14% | 89.89% | -1,580 bps | |
| Liquid Assets / Assets | 7.12% | 9.66% | 7.90% | 16.68% | 19.65% | +1,253 bps | |