Taos, NM · Cert 12261
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.68% | -0.63% | -6.90% | -4.11% | -3.56% | -7.38% | -3.68% | -2.93% | +118 bps | |
| Return on Equity | -38.13% | -8.95% | -99.80% | -71.25% | -74.10% | -201% | -138.56% | -151.99% | -8,075 bps | |
| Net Interest Margin | 3.19% | 2.92% | 2.58% | 2.67% | 2.55% | 2.71% | 2.93% | 2.74% | +7 bps | |
| Efficiency Ratio | 76.62% | 52.03% | 106.80% | 121.86% | 103.36% | 146.97% | 113.28% | 162.00% | +4,014 bps | |
| Non-Interest Burden | 2.34% | -0.03% | 2.83% | 3.28% | 2.69% | 3.78% | 3.38% | 4.18% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.63% | -13.65% | -16.79% | -19.68% | -19.67% | -12.20% | -19.80% | -20.16% | -48 bps | |
| Loan Growth (YoY) | 3.60% | -17.72% | -23.01% | -26.75% | -29.81% | -21.53% | -23.15% | -23.80% | +296 bps | |
| Deposit Growth (YoY) | 5.54% | -17.08% | -13.86% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.21% | 2.37% | 8.84% | 6.16% | 5.31% | 11.31% | 6.73% | 3.73% | -243 bps | |
| Allowance / Loans | 3.35% | 4.84% | 5.35% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.02% | 10.77% | 9.21% | 8.31% | 7.53% | 5.13% | 4.01% | 3.11% | -519 bps | |
| Equity / Assets | 6.59% | 7.64% | 6.16% | 5.35% | 4.30% | 3.02% | 2.25% | 1.58% | -377 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.14% | 102.16% | 98.77% | 99.16% | 87.22% | 82.59% | 84.03% | 83.21% | -1,595 bps | |
| Liquid Assets / Assets | 7.07% | 7.68% | 6.04% | 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 | n/a | n/a | n/a |