Clovis, NM · Cert 22059
FDIC · 2 branches
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.66% | 1.01% | 1.36% | 1.23% | +76 bps | |
| Return on Equity | 3.16% | 4.51% | 6.61% | 8.95% | 8.15% | +500 bps | |
| Net Interest Margin | 3.32% | 3.51% | 4.16% | 4.84% | 4.09% | +77 bps | |
| Efficiency Ratio | 81.15% | 79.37% | 70.28% | 62.58% | 62.95% | -1,820 bps | |
| Non-Interest Burden | 2.67% | 2.77% | 2.83% | 2.98% | 2.52% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.84% | -4.39% | 2.61% | 0.17% | -1.74% | +610 bps | |
| Loan Growth (YoY) | -18.39% | -6.83% | 14.38% | 18.50% | 19.71% | +3,810 bps | |
| Deposit Growth (YoY) | -5.28% | -5.15% | 1.47% | -3.56% | -15.62% | -1,033 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.57% | 1.53% | 1.36% | 1.30% | 1.31% | -26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.59% | 14.61% | 15.44% | 15.06% | 15.48% | +89 bps | |
| Total Risk-Based Capital | 14.59% | 14.61% | 15.44% | 15.06% | 15.48% | +89 bps | |
| Equity / Assets | 14.20% | 15.22% | 15.41% | 15.05% | 15.22% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.56% | 95.52% | 106.43% | 116.59% | 124.22% | +3,665 bps | |
| Liquid Assets / Assets | 29.75% | 23.70% | 15.48% | 15.08% | 16.06% | -1,368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |