Belen, NM · Cert 18386
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.75% | -0.63% | 0.52% | 1.84% | 5.87% | 3.31% | -3.01% | -352 bps | |
| Return on Equity | -5.98% | -6.62% | -5.67% | 4.52% | 16.21% | 48.38% | 24.36% | -21.54% | -2,607 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.38% | 3.81% | 5.08% | 4.17% | 5.16% | 4.31% | +50 bps | |
| Efficiency Ratio | 107.35% | 108.30% | 103.62% | 88.15% | 70.36% | 65.72% | 76.16% | 98.22% | +1,007 bps | |
| Non-Interest Burden | 3.73% | 3.86% | 3.54% | 3.18% | 3.28% | 2.13% | 3.77% | 4.22% | +104 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% | 8.90% | 0.33% | 2.79% | -1.05% | 0.01% | -1.75% | -5.03% | -782 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 |