Taos, NM · Cert 12261
FDIC
Q4 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.47% | -3.56% | -5.51% | -4.97% | -4.51% | -104 bps | |
| Return on Equity | -51.87% | -74.10% | -130.02% | -130.83% | -131.84% | -7,997 bps | |
| Net Interest Margin | 3.20% | 2.55% | 2.67% | 2.94% | 3.11% | -9 bps | |
| Efficiency Ratio | 77.92% | 103.36% | 122.18% | 119.05% | 127.25% | +4,933 bps | |
| Non-Interest Burden | 2.25% | 2.69% | 3.27% | 3.53% | 3.96% | +171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.68% | -19.67% | -12.20% | -19.80% | -20.16% | -48 bps | |
| Loan Growth (YoY) | -26.75% | -29.81% | -21.53% | -23.15% | -23.80% | +296 bps | |
| Deposit Growth (YoY) | -19.40% | -20.22% | -2.93% | -9.67% | -9.19% | +1,020 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.60% | 5.31% | 8.52% | 8.37% | 7.60% | +200 bps | |
| Allowance / Loans | 6.36% | 6.83% | 6.95% | 7.30% | 7.40% | +104 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.31% | 7.53% | 5.13% | 4.01% | 3.11% | -519 bps | |
| Equity / Assets | 5.35% | 4.30% | 3.02% | 2.25% | 1.58% | -377 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.16% | 87.22% | 82.59% | 84.03% | 83.21% | -1,595 bps | |
| Liquid Assets / Assets | 5.96% | 9.23% | 5.35% | 8.00% | 9.80% | +384 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |