Santa Fe, NM · Cert 2239
FDIC · 22 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Santa Fe, NM · Cert 2239
FDIC · 22 branches
Q1 2017
Market Position · Santa Fe, NM · 2016 SOD (annual) · 22.8% share · #1 of 10 inst. · $0.7B of $3.3B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.29% | 0.29% | 0.14% | 0.57% | 0.71% | 0.69% | 0.62% | +48 bps | |
| Return on Equity | 0.97% | 1.90% | 1.87% | 0.95% | 3.76% | 4.66% | 4.53% | 3.92% | +297 bps | |
| Net Interest Margin | 3.44% | 3.59% | 3.58% | 3.31% | 3.39% | 3.33% | 3.29% | 3.11% | -20 bps | |
| Efficiency Ratio | 87.85% | 86.35% | 86.26% | 92.90% | 84.15% | 85.72% | 86.00% | 80.33% | -1,256 bps | |
| Non-Interest Burden | 2.92% | 2.99% | 2.99% | 2.97% | 2.73% | 2.74% | 2.70% | 2.34% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | 0.86% | 2.71% | 0.95% | 5.07% | 5.23% | -0.11% | -1.63% | -257 bps | |
| Loan Growth (YoY) | 4.48% | -0.18% | 3.47% | 5.51% | 9.04% | 12.39% | 5.74% | -1.94% | -744 bps | |
| Deposit Growth (YoY) | -0.79% | 1.71% | 1.07% | 1.07% | 5.35% | 7.21% | 2.85% | 0.96% | -11 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.26% | +26 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.02% | -0.07% | -0.06% | 0.00% | -0.07% | 0.10% | +17 bps | |
| Allowance / Loans | 0.84% | 0.89% | 0.91% | 0.93% | 0.97% | 0.98% | 0.99% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.9x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 11.18% | 10.88% | 10.86% | 10.99% | 11.17% | 11.27% | 11.41% | +55 bps | |
| Total Risk-Based Capital | 14.37% | 14.77% | 14.60% | 13.82% | 14.67% | 14.84% | 15.10% | 15.26% | +144 bps | |
| Equity / Assets | 15.71% | 15.53% | 14.70% | 15.35% | 15.55% | 15.44% | 15.43% | 16.15% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.96% | 68.40% | 69.41% | 72.87% | 74.48% | 71.70% | 71.36% | 70.78% | -209 bps | |
| Liquid Assets / Assets | 10.22% | 13.45% | 14.56% | 10.19% | 11.81% | 14.09% | 15.05% | 14.32% | +413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |