Salt Lake Cit, UT · Charter 6852
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 Cit, UT · Charter 6852
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.38% | -4.47% | -3.03% | -2.32% | -1.03% | +535 bps | |
| Return on Equity | -115.68% | -100.75% | -64.53% | -49.87% | -22.57% | +9,311 bps | |
| Net Interest Margin | 2.77% | 2.71% | 2.95% | 2.91% | 2.62% | -16 bps | |
| Efficiency Ratio | 105.09% | 149.05% | 127.69% | 122.08% | 130.67% | +2,557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.98% | 2.85% | -7.59% | -0.32% | -3.62% | -560 bps | |
| Loan Growth (YoY) | -5.12% | 9.48% | -5.33% | -10.72% | 2.93% | +805 bps | |
| Share Growth (YoY) | 3.85% | 5.35% | -6.09% | 2.08% | -2.74% | -659 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.00% | 2.83% | 0.22% | 0.48% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 2.02% | 2.06% | 1.97% | 2.43% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.51% | 4.44% | 4.70% | 4.66% | 4.55% | -96 bps | |
| Net Worth / Assets | 5.51% | 4.44% | 4.70% | 4.66% | 4.55% | -96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.22% | 50.29% | 51.68% | 49.80% | 51.03% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |