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Ambank

Silver City, NM · Cert 34302

FDIC · 3 branches

Q3 2014

$123.2MAssets
$57.6MLoans
$102.6MDeposits
$17.0MEquity
Loan mix
66%RE $36.6M27%C&I $14.9M7%Consumer $3.9MQ3 2013Q3 2014
Deposit mix
82%Interest-bearing $84.3M18%Noninterest $18.3MQ3 2013Q3 2014

NIM

3.99%Q3 ’123.44%Q3 ’133.63%Q3 ’14-12%+6%

Non-interest income vs. expense

4.22%Q3 ’123.82%Q3 ’133.60%Q3 ’14-6%-6%

Executive Summary

  • Earnings: ROA of 0.69%, up 19 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 56.16% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.69%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+20 bps YoY

Efficiency Ratio (YTD, annualized)

78.72%-817 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.50%0.48%0.57%0.64%0.69%+19 bps
Return on Equity3.61%3.52%4.27%4.88%5.17%+155 bps
Net Interest Margin3.29%3.33%3.60%3.51%3.49%+20 bps
Efficiency Ratio86.89%86.26%81.59%79.75%78.72%-817 bps
Non-Interest Burden2.88%2.89%2.94%2.76%2.71%-18 bps
Growth
Asset Growth (YoY)5.13%2.72%2.76%5.66%-0.51%-564 bps
Loan Growth (YoY)5.47%11.86%11.66%14.82%6.02%+54 bps
Deposit Growth (YoY)8.06%2.50%3.78%6.20%-3.71%-1,177 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.05%0.23%0.31%0.25%+23 bps
Allowance / Loans3.26%3.20%3.21%3.17%3.17%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.40%19.33%19.50%19.46%20.37%+98 bps
Equity / Assets13.17%13.25%13.27%12.98%13.83%+66 bps
Liquidity & Funding
Loans / Deposits51.00%54.16%52.48%50.54%56.16%+515 bps
Liquid Assets / Assets0.67%0.87%0.25%0.23%0.27%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a