Santa Fe, NM · Cert 18556
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.98% | 1.97% | 1.88% | 1.80% | 1.75% | 1.76% | 0.73% | -115 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.73% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.24% | 5.10% | 4.88% | 4.83% | 2.54% | -270 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 63.34% | 64.11% | 64.88% | 64.96% | 75.36% | +1,201 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.56% | 2.52% | 2.47% | 2.39% | 1.68% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.54% | 6.90% | 4.37% | 2.72% | 6.07% | 5.32% | 11.06% | 15.85% | +1,313 bps | |
| Loan Growth (YoY) | 15.92% | 8.92% | 4.06% | -5.01% | -6.66% | -7.47% | -20.58% | -23.26% | -1,825 bps | |
| Deposit Growth (YoY) | 3.06% | 5.53% | 3.52% | -0.72% | 4.67% | 2.68% | 8.16% | 2.34% | +306 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 | n/a | n/a | n/a | -0.02% | 0.20% | 0.13% | 0.12% | 0.49% | +51 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.29% | 1.11% | 1.10% | 1.31% | 3.37% | +209 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 | n/a | n/a | n/a | 18.35% | 16.60% | 15.74% | 16.97% | 13.32% | -504 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.54% | 8.45% | 8.49% | 8.41% | 16.74% | +820 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.08% | 81.95% | 80.44% | 73.13% | 76.75% | 73.85% | 59.07% | 54.83% | -1,829 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.34% | 0.32% | 0.34% | 0.33% | 0.00% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |