Espanola, NM · Cert 19245
FDIC · 1 branch
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -1.00% | -1.41% | -0.88% | -1.18% | -1.09% | -1.25% | -1.61% | -73 bps | |
| Return on Equity | -8.39% | -8.80% | -12.88% | -8.20% | -11.24% | -10.60% | -11.44% | -13.86% | -567 bps | |
| Net Interest Margin | 2.25% | 2.23% | 2.62% | 2.38% | 1.97% | 1.98% | 2.26% | 2.01% | -38 bps | |
| Efficiency Ratio | 142.28% | 138.56% | 148.28% | 132.47% | 150.96% | 144.22% | 150.00% | 164.67% | +3,220 bps | |
| Non-Interest Burden | 3.28% | 3.18% | 4.01% | 3.21% | 3.12% | 3.07% | 3.57% | 3.52% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.06% | -25.45% | -6.64% | -6.00% | -3.81% | -0.48% | -12.16% | -12.66% | -665 bps | |
| Loan Growth (YoY) | -24.65% | -23.73% | -26.84% | -30.41% | -28.76% | -35.48% | -29.84% | -31.99% | -158 bps | |
| Deposit Growth (YoY) | -12.10% | -5.56% | -3.37% | -3.11% | -2.41% | -0.05% | -12.95% | -13.49% | -1,038 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 | 0.20% | 3.14% | 2.99% | 2.73% | -0.32% | -3.74% | 0.44% | -3.06% | -579 bps | |
| Allowance / Loans | 6.17% | 5.74% | 5.88% | 5.58% | 6.17% | 8.09% | 8.48% | 10.04% | +446 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 | 24.61% | 24.95% | 26.32% | 27.01% | 26.83% | 28.92% | 30.54% | 31.42% | +441 bps | |
| Equity / Assets | 11.59% | 11.18% | 10.73% | 10.74% | 10.20% | 10.37% | 11.52% | 11.68% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.59% | 49.22% | 43.05% | 41.35% | 36.20% | 31.77% | 34.70% | 32.51% | -884 bps | |
| Liquid Assets / Assets | 16.32% | 16.97% | 22.95% | 27.25% | 27.52% | 30.37% | 28.25% | 30.49% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |