Albuquerque, NM · Charter 17485
Q2 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.90% | 4.61% | 5.13% | 4.42% | 4.49% | 4.88% | 1.16% | 1.04% | -338 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.16% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 71.47% | 75.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.97% | 4.08% | 1.52% | 13.17% | 6.96% | 11.38% | 35.68% | 18.76% | +559 bps | |
| Loan Growth (YoY) | 3.98% | 12.18% | -4.69% | 2.58% | 12.54% | 26.40% | 25.79% | 4.40% | +182 bps | |
| Share Growth (YoY) | -7.79% | 1.25% | -2.00% | 11.15% | 4.88% | 9.78% | 38.19% | 18.17% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 1.49% | 0.00% | 0.72% | 0.06% | 0.16% | 0.00% | 0.26% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.27% | 1.27% | 1.22% | 1.16% | 0.98% | 0.57% | 0.76% | -46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.72% | 83.89% | 90.53% | 85.36% | 89.85% | 96.59% | 82.41% | 75.41% | -995 bps | |
| Liquid Assets / Assets | 24.07% | 24.06% | 21.12% | 19.09% | 22.04% | 14.76% | 0.00% | 0.00% | -1,909 bps | |