Ruidoso, NM · Cert 26491
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.80% | 1.26% | 1.04% | 0.27% | 1.27% | 0.54% | 0.79% | -24 bps | |
| Return on Equity | 14.01% | 15.45% | 10.51% | 8.39% | 2.28% | 11.23% | 4.75% | 6.39% | -200 bps | |
| Net Interest Margin | 4.45% | 4.37% | 4.59% | 4.45% | 4.25% | 4.01% | 4.11% | 4.37% | -8 bps | |
| Efficiency Ratio | 72.58% | 72.90% | 75.18% | 71.77% | 80.69% | 72.74% | 85.95% | 84.31% | +1,254 bps | |
| Non-Interest Burden | 2.95% | 2.91% | 3.22% | 2.93% | 3.27% | 2.70% | 3.42% | 3.53% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.83% | -5.13% | -7.31% | -4.58% | -0.52% | 6.03% | 4.51% | -2.92% | +166 bps | |
| Loan Growth (YoY) | -1.25% | -2.06% | -0.81% | -4.62% | -4.16% | -5.74% | -7.39% | -5.00% | -38 bps | |
| Deposit Growth (YoY) | 4.24% | -6.08% | -8.73% | -6.27% | -0.62% | 7.62% | 5.47% | -0.54% | +573 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 | 0.16% | 0.07% | 0.00% | 0.00% | 1.39% | 0.01% | 1.03% | -0.01% | -1 bps | |
| Allowance / Loans | 1.20% | 1.27% | 1.30% | 1.51% | 1.55% | 1.69% | 1.52% | 1.56% | +6 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 | 19.01% | 19.19% | 19.52% | 19.26% | 19.13% | 19.46% | 20.38% | 20.54% | +128 bps | |
| Equity / Assets | 11.78% | 11.52% | 12.56% | 12.14% | 11.98% | 10.64% | 11.96% | 12.91% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.85% | 65.64% | 71.67% | 68.18% | 65.43% | 57.49% | 62.93% | 65.12% | -306 bps | |
| Liquid Assets / Assets | 6.11% | 9.34% | 4.30% | 8.89% | 8.45% | 17.45% | 5.59% | 8.87% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |