Belen, NM · Cert 33616
FDIC · 5 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Belen, NM · Cert 33616
FDIC · 5 branches
Q3 2018
Market Position · Albuquerque, NM · 2018 SOD (annual) · 0.9% share · #11 of 23 inst. · $0.1B of $14.5B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.73% | 0.79% | 0.59% | 0.95% | 0.92% | 1.12% | +32 bps | |
| Return on Equity | 6.38% | 5.87% | 6.48% | 6.97% | 5.16% | 8.12% | 7.83% | 9.40% | +243 bps | |
| Net Interest Margin | 3.64% | 3.73% | 3.73% | 3.84% | 3.84% | 4.05% | 4.06% | 4.15% | +31 bps | |
| Efficiency Ratio | 76.88% | 77.59% | 76.10% | 74.64% | 74.98% | 74.46% | 75.09% | 71.91% | -273 bps | |
| Non-Interest Burden | 2.63% | 2.74% | 2.66% | 2.68% | 2.70% | 2.82% | 2.86% | 2.73% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | -1.21% | 0.03% | -0.95% | -2.09% | -4.48% | -4.21% | -4.83% | -388 bps | |
| Loan Growth (YoY) | -1.95% | 3.56% | 2.13% | 15.97% | 10.59% | -0.25% | -0.50% | -9.76% | -2,573 bps | |
| Deposit Growth (YoY) | -0.34% | -1.04% | -0.53% | -2.46% | -3.13% | -5.44% | -4.03% | -3.54% | -108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.76% | 1.84% | 1.70% | 1.60% | 1.73% | 1.71% | 1.13% | -58 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.01% | -0.14% | -0.02% | -0.02% | -0.02% | -0.01% | -0.01% | +2 bps | |
| Allowance / Loans | 2.68% | 2.58% | 2.66% | 2.37% | 2.44% | 2.61% | 2.63% | 2.63% | +26 bps | |
| Allowance Coverage of NPLs | n/a | 3.4x | 1.4x | 1.4x | 1.5x | 1.5x | 1.5x | 2.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.10% | 11.34% | 11.54% | 11.84% | 11.43% | 12.06% | 12.36% | 12.82% | +98 bps | |
| Total Risk-Based Capital | 22.43% | 21.88% | 22.21% | 20.80% | 21.00% | 22.35% | 22.13% | 22.84% | +204 bps | |
| Equity / Assets | 11.03% | 11.20% | 11.59% | 11.60% | 11.52% | 11.76% | 11.97% | 12.24% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.45% | 55.26% | 56.20% | 62.06% | 61.02% | 58.29% | 58.26% | 58.06% | -400 bps | |
| Liquid Assets / Assets | 9.66% | 7.94% | 7.96% | 7.66% | 7.76% | 9.30% | 7.83% | 8.89% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |