Salt Lake Cy, UT · Charter 67142
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 67142
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -2.51% | -2.91% | -3.41% | -2.11% | -1.89% | -2.70% | -7.86% | -445 bps | |
| Return on Equity | -5.64% | -7.44% | -10.49% | -13.21% | -8.14% | -7.13% | -10.68% | -30.53% | -1,733 bps | |
| Net Interest Margin | 4.60% | 5.15% | 4.29% | 4.41% | 4.53% | 4.55% | 5.45% | 4.79% | +38 bps | |
| Efficiency Ratio | 135.13% | 147.57% | 167.80% | 175.71% | 143.47% | 137.49% | 144.09% | 246% | +7,002 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | -0.71% | -3.99% | 4.07% | 3.70% | 10.39% | 2.38% | -0.23% | -430 bps | |
| Loan Growth (YoY) | 5.31% | 11.23% | -19.11% | 11.46% | 14.98% | 11.78% | 21.89% | -18.69% | -3,015 bps | |
| Share Growth (YoY) | 5.47% | 2.89% | -5.36% | 5.21% | 5.02% | 13.02% | 6.87% | 5.76% | +56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.39% | 0.85% | 17.53% | 11.73% | 0.00% | 0.00% | 0.00% | -1,753 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 | 4.28% | 3.62% | 4.03% | 3.26% | 3.02% | 3.24% | 3.31% | 4.00% | +75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.58% | 33.81% | 27.70% | 25.82% | 25.94% | 26.46% | 25.30% | 25.75% | -7 bps | |
| Net Worth / Assets | 29.58% | 33.81% | 27.70% | 25.82% | 25.94% | 26.46% | 25.30% | 25.75% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 119.33% | 128.27% | 104.62% | 120.84% | 130.65% | 126.86% | 119.32% | 92.91% | -2,793 bps | |
| Liquid Assets / Assets | 17.87% | 11.57% | 24.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |