Carlsbad, NM · Charter 10275
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 5.64% | 4.12% | -3.99% | 0.24% | 3.32% | 4.03% | -9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -30.83% | -16.12% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -37.28% | -26.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -34.70% | -15.31% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 3.83% | 8.08% | 0.79% | 5.08% | 4.36% | 2.58% | -550 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 2.22% | 3.07% | 1.59% | 2.75% | 2.63% | +42 bps | |
| Capital | ||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||
| Loans / Shares | 101.13% | 125.62% | 119.75% | 106.71% | 97.13% | 108.43% | -1,719 bps | |
| Liquid Assets / Assets | 9.65% | 0.88% | 3.38% | 12.21% | 20.99% | 11.77% | +1,089 bps | |