PackageTrendsPeer
Letter portraitLegal landscape

Metro West

Salt Lake Cit, UT · Charter 67867

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metro West

Salt Lake Cit, UT · Charter 67867

Q4 2000

$23.5MAssets
$15.7MLoans
$20.7MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.71%, down 257 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.43% of loans (-2 bps YoY).
  • Capital: net worth / assets of 11.10%.
  • Funding: loans stand at 76.19% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.71%-257 bps YoY

Net Interest Margin (YTD, annualized)

4.70%

Efficiency Ratio (YTD, annualized)

84.43%

Net Worth / Assets

11.10%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.84%2.63%3.10%3.28%2.43%0.14%0.50%0.71%-257 bps
Return on Equityn/an/an/an/an/an/an/a6.41%n/an/a
Net Interest Marginn/an/an/an/an/a4.51%4.76%4.70%n/a
Efficiency Ration/an/an/an/an/a90.82%87.74%84.43%n/a
Growth
Asset Growth (YoY)-0.24%-1.53%1.04%2.07%-0.57%1.14%-0.82%3.91%+183 bps
Loan Growth (YoY)-10.05%-5.06%-0.62%-5.34%-4.41%-0.37%5.38%5.90%+1,124 bps
Share Growth (YoY)0.23%-2.81%0.31%1.40%-1.30%0.43%-1.70%3.48%+209 bps
Asset Quality
Delinquent Loans / Loans1.70%0.62%0.72%0.45%0.41%0.30%0.19%0.43%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.93%1.30%1.34%1.28%1.15%1.13%1.02%1.04%-24 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a11.10%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a11.10%n/an/a
Liquidity & Funding
Loans / Shares74.06%77.41%73.85%74.45%71.72%76.79%79.17%76.19%+174 bps
Liquid Assets / Assets17.80%20.32%24.53%29.07%30.11%20.61%23.87%26.60%-247 bps