Tucumcari, NM · Cert 16681
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.31% | 0.98% | 1.38% | 1.22% | 1.05% | 0.87% | 1.03% | -35 bps | |
| Return on Equity | 13.66% | 10.82% | 7.87% | 10.90% | 9.69% | 8.42% | 6.99% | 8.20% | -270 bps | |
| Net Interest Margin | 3.36% | 3.29% | 3.27% | 3.31% | 3.20% | 3.11% | 3.25% | 3.25% | -6 bps | |
| Efficiency Ratio | 57.46% | 60.56% | 66.95% | 65.52% | 68.06% | 71.85% | 74.89% | 70.59% | +507 bps | |
| Non-Interest Burden | 1.68% | 1.80% | 2.10% | 2.07% | 2.09% | 2.16% | 2.38% | 2.22% | +16 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 | -0.08% | 0.30% | 0.00% | -0.45% | -0.33% | -0.24% | 0.00% | 0.00% | +45 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 |