Albuquerque, NM · Charter 11190
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.29% | -0.14% | 0.24% | 0.17% | 0.02% | -0.05% | -2.63% | -286 bps | |
| Return on Equity | -0.61% | -2.69% | -1.25% | 2.14% | 1.56% | 0.14% | -0.47% | -25.60% | -2,774 bps | |
| Net Interest Margin | 2.23% | 2.30% | 2.36% | 2.32% | 2.24% | 2.27% | 2.24% | 2.05% | -27 bps | |
| Efficiency Ratio | 102.12% | 110.11% | 104.62% | 91.79% | 93.83% | 99.46% | 101.88% | 188.73% | +9,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | -1.38% | -3.42% | -3.11% | 0.36% | -0.59% | 0.83% | -0.46% | +266 bps | |
| Loan Growth (YoY) | -14.48% | -10.89% | -9.12% | -7.28% | -7.30% | -7.07% | -7.01% | -8.00% | -72 bps | |
| Share Growth (YoY) | 1.26% | -0.76% | -3.67% | -3.26% | 0.41% | -0.80% | 0.90% | 0.06% | +332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.12% | 0.22% | 0.21% | 0.20% | 0.11% | 0.26% | 0.10% | -11 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 | 0.35% | 0.33% | 0.33% | 0.35% | 0.32% | 0.31% | 0.22% | 0.29% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.99% | 10.91% | 11.10% | 10.98% | 10.93% | 11.07% | 10.95% | 10.26% | -73 bps | |
| Net Worth / Assets | 10.99% | 10.91% | 11.10% | 10.98% | 10.93% | 11.07% | 10.95% | 10.26% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.50% | 47.44% | 46.17% | 44.55% | 43.85% | 44.44% | 42.55% | 40.96% | -359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |