Silver City, NM · Cert 34302
FDIC · 3 branches
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.59%1 | 0.47% | 0.43% | 0.43% | 0.57% | 0.72% | 0.76% | +34 bps | |
| Return on Equity | 5.80% | 4.14% | 3.44% | 3.23% | 3.29% | 4.27% | 5.49% | 5.71% | +248 bps | |
| Net Interest Margin | 3.69% | 3.44% | 3.37% | 3.22% | 3.49% | 3.60% | 3.46% | 3.42% | +19 bps | |
| Efficiency Ratio | 74.93% | 93.60% | 83.08% | 83.66% | 84.44% | 81.59% | 77.92% | 76.63% | -703 bps | |
| Non-Interest Burden | 2.63% | 3.30% | 2.80% | 2.70% | 2.96% | 2.94% | 2.63% | 2.55% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | -1.19% | 1.87% | 5.13% | 2.72% | 2.76% | 5.66% | -0.51% | -564 bps | |
| Loan Growth (YoY) | 0.38% | -4.87% | -5.48% | 5.47% | 11.86% | 11.66% | 14.82% | 6.02% | +54 bps | |
| Deposit Growth (YoY) | 1.83% | -1.56% | 2.66% | 8.06% | 2.50% | 3.78% | 6.20% | -3.71% | -1,177 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 | 0.13% | 0.03% | 0.02% | 0.01% | -0.26% | 0.23% | 0.38% | 0.12% | +11 bps | |
| Allowance / Loans | 3.29% | 3.34% | 3.50% | 3.26% | 3.20% | 3.21% | 3.17% | 3.17% | -9 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 | 19.78% | 20.38% | 20.22% | 19.40% | 19.33% | 19.50% | 19.46% | 20.37% | +98 bps | |
| Equity / Assets | 14.46% | 14.09% | 13.39% | 13.17% | 13.25% | 13.27% | 12.98% | 13.83% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.63% | 48.77% | 46.74% | 51.00% | 54.16% | 52.48% | 50.54% | 56.16% | +515 bps | |
| Liquid Assets / Assets | 0.17% | 0.16% | 0.52% | 0.67% | 0.87% | 0.25% | 0.23% | 0.27% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |