Las Cruces, NM · Cert 26210
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.51% | -0.07% | -0.50% | -0.64% | -0.36% | 0.32% | -0.27% | -0.39% | +26 bps | |
| Return on Equity | -11.77% | -0.34% | -1.80% | -2.07% | -1.14% | 1.01% | -0.83% | -1.24% | +83 bps | |
| Net Interest Margin | 4.37% | 4.59% | 4.25% | 4.33% | 3.88% | 5.85% | 4.19% | 3.70% | -63 bps | |
| Efficiency Ratio | 134.70% | 88.68% | 101.69% | 98.96% | 99.67% | 81.89% | 91.91% | 101.82% | +285 bps | |
| Non-Interest Burden | 6.14% | 4.22% | 4.55% | 4.48% | 4.07% | 4.88% | 3.99% | 3.94% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.88% | 21.98% | 29.21% | 28.07% | 32.96% | 0.49% | -4.62% | 7.47% | -2,061 bps | |
| Loan Growth (YoY) | -19.19% | -25.45% | -16.45% | -2.69% | 1.98% | 53.71% | 62.17% | 42.42% | +4,511 bps | |
| Deposit Growth (YoY) | -3.21% | 2.72% | 4.66% | 2.33% | 5.58% | -6.75% | -8.45% | 11.42% | +910 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 | 0.48% | -0.04% | 0.02% | 0.01% | 0.11% | 0.13% | 0.00% | 0.12% | +11 bps | |
| Allowance / Loans | 2.35% | 0.29% | 0.42% | 0.68% | 0.78% | 0.87% | 0.95% | 1.02% | +33 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 | 20.82% | 27.17% | 38.72% | 39.02% | 39.78% | 34.08% | 31.28% | 30.66% | -836 bps | |
| Equity / Assets | 12.97% | 25.46% | 30.59% | 31.38% | 31.76% | 32.61% | 33.35% | 29.00% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.33% | 48.25% | 53.44% | 58.54% | 58.28% | 79.53% | 94.66% | 74.82% | +1,629 bps | |
| Liquid Assets / Assets | 4.41% | 3.25% | 2.78% | 1.70% | 1.56% | 1.60% | 1.63% | 1.42% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |