Las Cruces, NM · Cert 26210
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | -0.07% | -0.31% | -0.43% | -0.41% | 0.32% | 0.03% | -0.11% | +32 bps | |
| Return on Equity | 5.41% | -0.34% | -1.28% | -1.65% | -1.52% | 1.01% | 0.09% | -0.35% | +130 bps | |
| Net Interest Margin | 4.46% | 4.59% | 4.38% | 4.20% | 4.09% | 5.85% | 5.07% | 4.38% | +18 bps | |
| Efficiency Ratio | 94.50% | 88.68% | 95.01% | 96.36% | 97.14% | 81.89% | 86.09% | 90.65% | -570 bps | |
| Non-Interest Burden | 4.17% | 4.22% | 4.35% | 4.23% | 4.16% | 4.88% | 4.48% | 4.10% | -14 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 | 0.60% | -0.04% | -0.01% | 0.00% | 0.02% | 0.13% | 0.05% | 0.08% | +8 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 |