PackageTrendsPeer
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Western Bank

Las Cruces, NM · Cert 11489

FDIC

Q2 2000

$159.6MAssets
$96.6MLoans
$128.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.00%, down 165 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.01% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

2.00%-165 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets0.87%1.17%4.79%3.65%3.12%2.85%2.08%2.00%-165 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-3.77%-5.93%-9.43%-4.07%-0.17%1.35%0.45%4.42%+848 bps
Loan Growth (YoY)-3.51%-11.41%-15.03%-15.44%-11.11%-1.89%3.76%4.31%+1,975 bps
Deposit Growth (YoY)-3.39%-7.17%-13.87%-7.67%-7.70%-13.63%-1.67%2.24%+991 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.44%76.37%75.39%73.52%77.47%86.76%79.56%75.01%+149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a