Espanola, NM · Cert 21000
FDIC · 5 branches
Q2 2015
Market Position · Santa Fe, NM · 2015 SOD (annual) · 1.6% share · #8 of 11 inst. · $0.1B of $3.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.45% | 0.50% | 0.38% | 0.34% | -14 bps | |
| Return on Equity | 3.62% | 3.47% | 4.05% | 3.10% | 2.68% | -94 bps | |
| Net Interest Margin | 3.44% | 3.40% | 3.30% | 3.24% | 3.37% | -7 bps | |
| Efficiency Ratio | 83.46% | 82.60% | 85.93% | 83.97% | 86.79% | +333 bps | |
| Non-Interest Burden | 2.77% | 2.72% | 2.76% | 2.59% | 2.79% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.45% | -0.37% | 3.24% | 9.33% | 0.85% | -160 bps | |
| Loan Growth (YoY) | -5.61% | -5.26% | -4.86% | -1.20% | 1.15% | +676 bps | |
| Deposit Growth (YoY) | 3.63% | 0.32% | 4.76% | 10.64% | -1.08% | -472 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | 0.12% | -0.03% | 0.10% | +13 bps | |
| Allowance / Loans | 2.96% | 2.93% | 2.94% | 2.93% | 2.89% | -7 bps | |
| Allowance Coverage of NPLs | 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 | 10.50% | 10.71% | n/a | |
| Total Risk-Based Capital | 18.50% | 18.30% | 17.86% | 18.04% | 17.59% | -91 bps | |
| Equity / Assets | 13.02% | 12.72% | 12.20% | 12.24% | 12.79% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.04% | 72.14% | 69.69% | 69.42% | 74.69% | +165 bps | |
| Liquid Assets / Assets | 12.12% | 13.43% | 16.10% | 10.76% | 4.12% | -799 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |