Belen, NM · Cert 18386
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Belen, NM · Cert 18386
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.72% | -0.69% | -0.39% | 1.84% | 3.85% | 3.69% | 2.09% | +248 bps | |
| Return on Equity | -5.98% | -6.33% | -6.07% | -3.45% | 16.21% | 32.44% | 29.64% | 16.45% | +1,990 bps | |
| Net Interest Margin | 3.43% | 3.53% | 3.37% | 3.65% | 5.08% | 4.67% | 4.88% | 4.88% | +123 bps | |
| Efficiency Ratio | 107.35% | 107.83% | 106.38% | 101.27% | 70.36% | 68.08% | 70.68% | 76.40% | -2,486 bps | |
| Non-Interest Burden | 3.73% | 3.87% | 3.64% | 3.71% | 3.28% | 2.73% | 3.11% | 3.48% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.06% | 1.16% | 2.66% | -6.27% | -1.23% | -1.12% | -4.12% | -7.93% | -166 bps | |
| Loan Growth (YoY) | -4.31% | -12.62% | -16.50% | -21.89% | -28.93% | -17.62% | -20.93% | -19.63% | +226 bps | |
| Deposit Growth (YoY) | -6.02% | 2.24% | 2.88% | -6.28% | -0.78% | -2.80% | -6.57% | -11.77% | -550 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 | -0.09% | 4.40% | 3.11% | 3.21% | -1.05% | -0.51% | -0.94% | -2.01% | -522 bps | |
| Allowance / Loans | 5.55% | 4.37% | 4.68% | 4.42% | 5.24% | 2.30% | 1.41% | 1.37% | -305 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 | 21.53% | 20.16% | 20.70% | 21.45% | 24.47% | 28.31% | 30.81% | 29.95% | +851 bps | |
| Equity / Assets | 11.83% | 10.82% | 11.45% | 11.38% | 11.34% | 12.92% | 14.27% | 13.64% | +227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.54% | 45.66% | 45.94% | 42.21% | 37.63% | 38.70% | 38.88% | 38.45% | -376 bps | |
| Liquid Assets / Assets | 0.75% | 1.91% | 4.84% | 4.92% | 0.93% | 4.48% | 3.99% | 6.19% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |