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Ruidoso State Bank

Ruidoso, NM · Cert 17314

FDIC

Q1 2001

$119.0MAssets
$53.9MLoans
$104.9MDeposits
$12.7MEquity
Deposit mix
86%Interest-bearing $90.7M14%Noninterest $14.2MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.53%, down 62 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.65%.
  • Funding: loans stand at 51.42% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.53%-62 bps YoY

Net Interest Margin (quarter, annualized)

2.38%

Efficiency Ratio (quarter, annualized)

65.95%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.14%1.26%1.44%1.39%0.53%-62 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.38%n/an/a
Efficiency Ration/an/an/an/a65.95%n/an/a
Non-Interest Burdenn/an/an/an/a1.44%n/an/a
Growth
Asset Growth (YoY)19.84%8.32%8.20%-1.41%6.04%-1,380 bps
Loan Growth (YoY)13.68%14.73%10.26%2.99%15.52%+184 bps
Deposit Growth (YoY)20.08%8.08%7.83%-1.96%0.84%-1,924 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a1.65%n/an/a
Allowance / Loansn/an/an/an/a2.56%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a11.99%n/an/a
Equity / Assetsn/an/an/an/a10.70%n/an/a
Liquidity & Funding
Loans / Deposits44.89%46.39%43.55%47.14%51.42%+653 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a