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Bank 1st

Albuquerque, NM · Cert 34554

FDIC

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank 1st

Albuquerque, NM · Cert 34554

FDIC

Q3 2012

$60.5MAssets
$29.6MLoans
$56.9MDeposits
$3.5MEquity
Loan mix
80%RE $21.2M20%C&I $5.2M1%Consumer $0.1MQ3 2011Q3 2012
Deposit mix
93%Interest-bearing $52.6M7%Noninterest $4.2MQ3 2011Q3 2012

NIM

4.50%Q3 ’104.36%Q3 ’113.97%Q3 ’12+11%-3%

Non-interest income vs. expense

3.86%Q3 ’103.89%Q3 ’113.73%Q3 ’12-2%+5%

Executive Summary

  • Earnings: ROA of -0.72%, down 64 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.31%.
  • Funding: loans stand at 51.96% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.72%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-11 bps YoY

Efficiency Ratio (YTD, annualized)

117.09%+972 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.08%-0.31%-0.21%0.03%1-0.72%-64 bps
Return on Equity-1.60%-6.14%-4.27%0.63%-13.76%-1,216 bps
Net Interest Margin3.33%3.24%2.88%3.17%3.22%-11 bps
Efficiency Ratio107.37%113.22%116.31%114.49%117.09%+972 bps
Non-Interest Burden3.60%3.70%3.34%3.63%3.77%+17 bps
Growth
Asset Growth (YoY)-10.39%-5.07%-4.19%-6.39%-12.96%-257 bps
Loan Growth (YoY)-20.51%-22.08%-22.14%-21.32%-16.18%+433 bps
Deposit Growth (YoY)-10.44%-5.13%-4.08%-6.37%-13.33%-289 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.85%1.03%-0.01%-0.01%2.31%+146 bps
Allowance / Loans3.92%3.67%3.84%3.90%3.40%-52 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 Capital10.17%9.98%10.57%10.71%10.53%+36 bps
Equity / Assets5.37%4.88%5.08%5.44%5.75%+38 bps
Liquidity & Funding
Loans / Deposits53.73%50.11%51.25%52.37%51.96%-177 bps
Liquid Assets / Assets7.73%12.61%16.89%9.83%9.10%+137 bps
CRE / Total Capitaln/an/an/an/an/an/an/a