Albuquerque, NM · Cert 32329
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Albuquerque, NM · Cert 32329
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 | 0.72% | 0.43% | 0.19% | 0.26% | 0.34% | 0.52% | 0.83% | 0.72% | +47 bps | |
| Return on Equity | n/a | 3.63% | 1.53% | 2.15% | 2.86% | 4.38% | 6.98% | 6.14% | +400 bps | |
| Net Interest Margin | 3.58% | 3.57% | 3.57% | 3.62% | 3.64% | 3.77% | 3.85% | 3.96% | +35 bps | |
| Efficiency Ratio | 71.60% | 76.90% | 87.55% | 86.07% | 84.15% | 76.73% | 79.08% | 75.18% | -1,089 bps | |
| Non-Interest Burden | 2.52% | 2.72% | 3.16% | 3.10% | 3.05% | 2.88% | 3.02% | 2.95% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | -2.96% | -16.48% | -16.06% | -7.34% | -5.73% | -2.99% | -2.86% | +1,320 bps | |
| Loan Growth (YoY) | -9.77% | -1.53% | -1.75% | 0.92% | 6.87% | 7.84% | 11.78% | 15.51% | +1,459 bps | |
| Deposit Growth (YoY) | -2.15% | -10.09% | -19.11% | -14.81% | -7.79% | 0.48% | -4.32% | -8.24% | +657 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 | 0.36% | 0.04% | 0.13% | 0.09% | 0.07% | 0.00% | 0.01% | 0.01% | -8 bps | |
| Allowance / Loans | 1.96% | 1.93% | 1.87% | 1.87% | 1.81% | 1.73% | 1.66% | 1.60% | -27 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 | 20.72% | 20.62% | 21.42% | 19.68% | 19.19% | 18.52% | 17.99% | 18.09% | -159 bps | |
| Equity / Assets | 11.77% | 11.93% | 12.70% | 11.62% | 11.91% | 11.75% | 11.92% | 11.54% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.60% | 68.23% | 69.23% | 67.18% | 71.39% | 73.23% | 80.89% | 84.57% | +1,739 bps | |
| Liquid Assets / Assets | 15.21% | 5.57% | 10.48% | 8.84% | 9.29% | 8.87% | 5.72% | 6.23% | -261 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |