Gallup, NM · Cert 21467
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.75% | 0.78% | 0.79% | 0.82% | 1.09% | 1.10% | 1.14% | +35 bps | |
| Return on Equity | 7.12% | 6.87% | 7.23% | 7.60% | 8.35% | 11.25% | 11.14% | 11.59% | +399 bps | |
| Net Interest Margin | 3.21% | 3.44% | 3.37% | 2.95% | 3.18% | 3.29% | 3.38% | 3.42% | +47 bps | |
| Efficiency Ratio | 69.42% | 69.94% | 69.71% | 68.14% | 64.56% | 62.09% | 63.25% | 61.77% | -637 bps | |
| Non-Interest Burden | 2.01% | 2.32% | 2.24% | 1.89% | 1.91% | 1.86% | 1.87% | 1.84% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 6.58% | 11.07% | 18.69% | 7.88% | 14.42% | 5.73% | -3.14% | -2,183 bps | |
| Loan Growth (YoY) | 8.89% | 8.25% | 13.00% | 13.13% | 6.27% | 19.64% | 14.74% | 18.94% | +581 bps | |
| Deposit Growth (YoY) | 5.81% | -1.41% | 4.57% | 11.72% | 4.78% | 22.47% | 7.17% | -8.02% | -1,974 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 | -0.07% | -0.08% | -0.06% | -0.05% | -0.01% | 0.00% | 0.01% | 0.02% | +7 bps | |
| Allowance / Loans | 2.16% | 2.08% | 2.01% | 2.02% | 2.07% | 1.75% | 1.76% | 1.70% | -32 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 | 14.90% | 11.40% | 14.09% | 13.47% | 14.81% | 13.64% | 14.43% | 13.61% | +13 bps | |
| Equity / Assets | 11.11% | 10.98% | 10.45% | 9.08% | 10.64% | 9.54% | 10.31% | 9.75% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.02% | 52.44% | 50.63% | 44.69% | 48.70% | 51.23% | 54.21% | 57.79% | +1,310 bps | |
| Liquid Assets / Assets | 0.11% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |