Los Alamos, NM · Cert 18799
FDIC · 6 branches
Q4 2018
Market Position · Santa Fe, NM · 2018 SOD (annual) · 14.0% share · #4 of 10 inst. · $0.4B of $3.1B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.13% | 0.00% | -0.20% | 0.74% | 1.10% | 1.15% | 1.07% | +127 bps | |
| Return on Equity | 0.65% | -1.39% | -0.03% | -2.11% | 7.88% | 11.60% | 11.87% | 10.89% | +1,300 bps | |
| Net Interest Margin | 3.21% | 3.33% | 3.37% | 3.40% | 3.23% | 3.29% | 3.35% | 3.39% | -1 bps | |
| Efficiency Ratio | 98.92% | 91.09% | 88.29% | 87.97% | 75.59% | 69.06% | 68.29% | 70.44% | -1,753 bps | |
| Non-Interest Burden | 3.16% | 2.96% | 2.89% | 2.91% | 2.28% | 2.01% | 2.03% | 2.16% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.86% | -7.63% | -6.13% | -9.31% | -4.91% | -1.99% | -5.17% | -2.76% | +655 bps | |
| Loan Growth (YoY) | -5.72% | -7.09% | -7.74% | -10.54% | -9.08% | -3.92% | -3.18% | 2.47% | +1,301 bps | |
| Deposit Growth (YoY) | -5.94% | -7.72% | -6.07% | -10.58% | -5.09% | -3.38% | -6.41% | -4.55% | +603 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.82% | 1.74% | 2.19% | 2.48% | 1.79% | 1.44% | 1.22% | 2.41% | -6 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.06% | -0.01% | -0.10% | 1.58% | 0.80% | 0.52% | 0.39% | +49 bps | |
| Allowance / Loans | 1.83% | 1.76% | 1.80% | 1.97% | 1.59% | 1.45% | 1.34% | 1.33% | -64 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.8x | 0.8x | 0.9x | 1.0x | 1.1x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.75% | 9.90% | 9.60% | 9.93% | 10.33% | 10.78% | 11.17% | +157 bps | |
| Total Risk-Based Capital | 15.37% | 16.22% | 16.34% | 16.18% | 16.14% | 16.50% | 16.93% | 17.06% | +88 bps | |
| Equity / Assets | 9.39% | 9.72% | 9.70% | 9.55% | 9.31% | 9.66% | 10.08% | 10.72% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.11% | 64.28% | 62.43% | 61.19% | 61.42% | 63.92% | 64.58% | 65.69% | +450 bps | |
| Liquid Assets / Assets | 3.12% | 5.79% | 5.77% | 2.37% | 1.36% | 0.90% | 0.91% | 0.79% | -158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |