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
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.08% | -0.06% | -6.38% | -4.47% | -3.03% | -2.32% | -1.03% | +535 bps | |
| Return on Equity | 1.76% | 1.29% | -0.85% | -115.68% | -100.75% | -64.53% | -49.87% | -22.57% | +9,311 bps | |
| Net Interest Margin | 3.17% | 3.06% | 3.26% | 2.77% | 2.71% | 2.95% | 2.91% | 2.62% | -16 bps | |
| Efficiency Ratio | 97.10% | 98.04% | 101.32% | 105.09% | 149.05% | 127.69% | 122.08% | 130.67% | +2,557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.93% | 24.70% | 10.36% | 1.98% | 2.85% | -7.59% | -0.32% | -3.62% | -560 bps | |
| Loan Growth (YoY) | -8.15% | 10.83% | 3.11% | -5.12% | 9.48% | -5.33% | -10.72% | 2.93% | +805 bps | |
| Share Growth (YoY) | 30.37% | 26.56% | 11.04% | 3.85% | 5.35% | -6.09% | 2.08% | -2.74% | -659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.33% | 3.31% | 3.97% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.79% | 0.77% | 1.90% | 2.02% | 2.06% | 1.97% | 2.43% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.89% | 6.47% | 6.96% | 5.51% | 4.44% | 4.70% | 4.66% | 4.55% | -96 bps | |
| Net Worth / Assets | 6.89% | 6.47% | 6.96% | 5.51% | 4.44% | 4.70% | 4.66% | 4.55% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.39% | 51.27% | 56.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |