Salt Lake City, UT · Charter 68365
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.
Salt Lake City, UT · Charter 68365
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 | 1.13% | 0.24% | -10.18% | -5.51% | -6.41% | -6.65% | 0.87% | 0.94% | +645 bps | |
| Return on Equity | 12.86% | 2.95% | -176.85% | -98.35% | -239% | -242% | 28.20% | 27.09% | +12,544 bps | |
| Net Interest Margin | 4.53% | 4.29% | 3.92% | 3.96% | 4.16% | 4.31% | 3.97% | 3.84% | -12 bps | |
| Efficiency Ratio | 62.72% | 65.22% | 79.83% | 79.46% | 85.76% | 85.82% | 83.56% | 81.49% | +203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.80% | 1.24% | 5.30% | -15.44% | -5.16% | -14.76% | -15.27% | -18.42% | -298 bps | |
| Loan Growth (YoY) | 15.50% | 9.78% | -6.14% | -9.79% | -12.50% | -17.64% | -17.97% | -23.61% | -1,381 bps | |
| Share Growth (YoY) | 13.03% | 0.53% | 11.22% | -14.05% | 1.38% | -9.29% | -12.98% | -16.71% | -266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.63% | 7.28% | 3.16% | 3.26% | 1.93% | 1.20% | 0.67% | 1.06% | -221 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 | 1.14% | 1.51% | 2.34% | 2.28% | 5.20% | 5.06% | 4.96% | 4.47% | +219 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.82% | 8.30% | 5.75% | 5.60% | 2.68% | 2.75% | 3.08% | 3.47% | -214 bps | |
| Net Worth / Assets | 8.82% | 8.30% | 5.75% | 5.60% | 2.68% | 2.75% | 3.08% | 3.47% | -214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.44% | 94.74% | 86.41% | 86.75% | 84.10% | 86.02% | 81.45% | 79.57% | -718 bps | |
| Liquid Assets / Assets | 99.22% | 98.66% | 0.00% | 99.80% | 0.00% | 0.00% | 0.00% | 0.00% | -9,980 bps | |