PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunwest Bank of Raton NA

Raton, NM · Cert 2237

FDIC

Q2 1997

$93.6MAssets
$39.9MLoans
$69.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.95%, down 52 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 57.12% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

0.95%-52 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.58%1.58%1.60%1.47%1.47%1.51%0.90%0.95%-52 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.56%5.30%3.78%2.83%5.26%2.83%15.66%14.01%+1,117 bps
Loan Growth (YoY)-0.30%0.81%-0.49%-0.11%-5.80%-7.69%-7.64%-8.88%-877 bps
Deposit Growth (YoY)-0.57%2.45%1.09%1.23%0.65%-0.99%-1.85%-4.43%-567 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits57.98%57.18%58.94%59.91%54.26%53.30%55.46%57.12%-279 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a