PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.89%Q3 ’123.38%Q3 ’133.55%Q3 ’14-12%+6%

Non-interest income vs. expense

4.20%Q3 ’123.60%Q3 ’133.47%Q3 ’14-10%-5%

Executive Summary

  • Earnings: ROA of 0.76%, up 34 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 56.16% of deposits as of Q3 2014.

Financial Results

Return on Assets (quarter, annualized)

0.76%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.42%+19 bps YoY

Efficiency Ratio (quarter, annualized)

76.63%-703 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.43%0.43%0.57%0.72%0.76%+34 bps
Return on Equity3.23%3.29%4.27%5.49%5.71%+248 bps
Net Interest Margin3.22%3.49%3.60%3.46%3.42%+19 bps
Efficiency Ratio83.66%84.44%81.59%77.92%76.63%-703 bps
Non-Interest Burden2.70%2.96%2.94%2.63%2.55%-15 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 / Loans0.01%-0.26%0.23%0.38%0.12%+11 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