Tucumcari, NM · Cert 16681
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.27% | 0.29% | 0.98% | 1.78% | 0.91% | 0.57% | 0.87% | 1.18% | -60 bps | |
| Return on Equity | 18.15% | 2.30% | 7.87% | 13.91% | 7.24% | 4.60% | 6.99% | 9.41% | -449 bps | |
| Net Interest Margin | 3.37% | 3.24% | 3.27% | 3.30% | 3.18% | 3.11% | 3.25% | 3.28% | -2 bps | |
| Efficiency Ratio | 50.08% | 70.82% | 66.95% | 64.09% | 73.25% | 83.26% | 74.89% | 66.39% | +230 bps | |
| Non-Interest Burden | 1.09% | 2.21% | 2.10% | 2.01% | 2.26% | 2.55% | 2.38% | 2.09% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | -3.25% | -4.38% | -2.63% | 4.40% | 1.16% | 3.98% | 4.10% | +673 bps | |
| Loan Growth (YoY) | 10.18% | 17.49% | 16.85% | 8.90% | 11.03% | 8.14% | 2.68% | 8.96% | +6 bps | |
| Deposit Growth (YoY) | 0.38% | -3.93% | -5.19% | -3.38% | 5.21% | 1.22% | 4.22% | 4.58% | +796 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 | 0.00% | 1.41% | 0.00% | -0.91% | -0.11% | 0.00% | 0.00% | 0.00% | +91 bps | |
| Allowance / Loans | 0.71% | 0.65% | 0.70% | 0.73% | 0.75% | 0.71% | 0.71% | 0.70% | -3 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 | 22.15% | 20.56% | 20.15% | 21.07% | 20.60% | 19.93% | 20.15% | 20.03% | -104 bps | |
| Equity / Assets | 12.73% | 12.30% | 12.74% | 12.91% | 12.27% | 12.42% | 12.51% | 12.60% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.73% | 61.24% | 67.02% | 63.41% | 60.92% | 65.43% | 66.03% | 66.07% | +266 bps | |
| Liquid Assets / Assets | 0.00% | 10.08% | 9.40% | 9.32% | 8.78% | 8.97% | 8.97% | 8.88% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |