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Mountain High Community

Spanish Fork, UT · Charter 68034

Q2 2002

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: Q2 2002, the quarter ended June 30, 2002, 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

Mountain High Community

Spanish Fork, UT · Charter 68034

Q2 2002

$7.7MAssets
$6.2MLoans
$7.0MShares
$692KNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, up 71 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.01% of loans (-63 bps YoY).
  • Capital: net worth / assets of 8.96%.
  • Funding: loans stand at 89.04% of shares as of Q2 2002.

Return on Assets (YTD, annualized)

1.37%+71 bps YoY

Net Interest Margin (YTD, annualized)

4.21%-57 bps YoY

Efficiency Ratio (YTD, annualized)

81.47%-1,214 bps YoY

Net Worth / Assets

8.96%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002YoY ΔTrend
Earnings
Return on Assets6.31%4.66%-0.55%0.66%0.45%1.37%1.07%1.37%+71 bps
Return on Equityn/an/an/an/a5.52%15.59%11.89%15.31%n/a
Net Interest Marginn/an/a4.09%4.78%4.80%4.31%4.37%4.21%-57 bps
Efficiency Ration/an/a92.21%93.61%91.80%77.32%79.88%81.47%-1,214 bps
Growth
Asset Growth (YoY)74.84%73.45%23.42%6.33%8.46%18.80%23.64%33.30%+2,698 bps
Loan Growth (YoY)70.59%48.27%22.58%18.52%20.00%33.64%24.57%31.29%+1,277 bps
Share Growth (YoY)57.50%65.45%20.46%6.81%17.70%23.53%27.00%32.79%+2,598 bps
Asset Quality
Delinquent Loans / Loans0.84%0.82%0.61%0.64%0.57%0.54%1.05%0.01%-63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.01%0.98%0.71%0.88%0.81%1.19%0.85%+14 bps
Capital
Risk-Based Capitaln/an/an/an/a8.18%8.80%8.96%8.96%n/a
Net Worth / Assetsn/an/an/an/a8.18%8.80%8.96%8.96%n/a
Liquidity & Funding
Loans / Shares91.36%80.30%88.97%90.05%93.15%86.87%87.27%89.04%-102 bps
Liquid Assets / Assets16.36%23.99%11.16%10.73%6.56%15.62%10.55%14.51%+379 bps