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Bank of the Rio Grande, National Association

Las Cruces, NM · Cert 26210

FDIC

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the Rio Grande, National Association

Las Cruces, NM · Cert 26210

FDIC

Q3 2013

$147.4MAssets
$77.4MLoans
$103.4MDeposits
$42.8MEquity
Loan mix
68%RE $39.4M29%C&I $16.7M3%Consumer $2.0MQ3 2012Q3 2013
Deposit mix
48%Interest-bearing $49.8M52%Noninterest $53.6MQ3 2012Q3 2013

NIM

4.74%Q3 ’114.32%Q3 ’124.48%Q3 ’13-6%+4%

Non-interest income vs. expense

4.33%Q3 ’114.80%Q3 ’124.57%Q3 ’13+21%-3%

Executive Summary

  • Earnings: ROA of -0.11%, up 32 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 74.82% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.11%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+18 bps YoY

Efficiency Ratio (YTD, annualized)

90.65%-570 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.43%-0.41%0.32%0.03%-0.11%+32 bps
Return on Equity-1.65%-1.52%1.01%0.09%-0.35%+130 bps
Net Interest Margin4.20%4.09%5.85%5.07%4.38%+18 bps
Efficiency Ratio96.36%97.14%81.89%86.09%90.65%-570 bps
Non-Interest Burden4.23%4.16%4.88%4.48%4.10%-14 bps
Growth
Asset Growth (YoY)28.07%32.96%0.49%-4.62%7.47%-2,061 bps
Loan Growth (YoY)-2.69%1.98%53.71%62.17%42.42%+4,511 bps
Deposit Growth (YoY)2.33%5.58%-6.75%-8.45%11.42%+910 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.13%0.05%0.08%+8 bps
Allowance / Loans0.68%0.78%0.87%0.95%1.02%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital39.02%39.78%34.08%31.28%30.66%-836 bps
Equity / Assets31.38%31.76%32.61%33.35%29.00%-238 bps
Liquidity & Funding
Loans / Deposits58.54%58.28%79.53%94.66%74.82%+1,629 bps
Liquid Assets / Assets1.70%1.56%1.60%1.63%1.42%-28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a