Sandy, UT · Charter 67148
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Sandy, UT · Charter 67148
Q2 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.59% | 0.42% | 0.33% | -0.20% | 0.04% | 0.66% | 0.70% | +37 bps | |
| Return on Equity | 0.06% | -3.65% | 2.89% | 2.35% | -1.38% | 0.26% | 4.44% | 5.84% | +348 bps | |
| Net Interest Margin | 3.41% | 3.70% | 3.77% | 3.73% | 4.08% | 4.06% | 4.03% | 3.86% | +13 bps | |
| Efficiency Ratio | 99.76% | 107.98% | 82.19% | 84.36% | 98.62% | 94.53% | 83.90% | 82.08% | -228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | -4.23% | 4.39% | 9.89% | -0.77% | 11.49% | -1.72% | -4.83% | -1,472 bps | |
| Loan Growth (YoY) | -4.18% | 0.78% | 22.53% | 25.82% | 32.21% | 18.83% | -5.22% | -6.31% | -3,213 bps | |
| Share Growth (YoY) | 8.57% | -4.38% | 5.90% | 12.06% | -0.23% | 13.74% | -2.08% | -2.46% | -1,452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.91% | 2.79% | 2.11% | 1.01% | 2.23% | 1.69% | 2.01% | 0.41% | -60 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 | 1.78% | 2.47% | 2.21% | 2.20% | 2.14% | 2.25% | 2.36% | 2.40% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.21% | 16.12% | 14.53% | 13.98% | 14.54% | 14.45% | 14.84% | 12.00% | -198 bps | |
| Net Worth / Assets | 15.21% | 16.12% | 14.53% | 13.98% | 14.54% | 14.45% | 14.84% | 12.00% | -198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.28% | 100.29% | 105.63% | 100.17% | 113.01% | 104.78% | 102.24% | 96.22% | -395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |