Albuquerque, NM · Cert 34554
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -0.15% | -0.09% | -0.01% | -1.01% | -0.21% | 0.29%1 | -2.36% | -235 bps | |
| Return on Equity | -17.90% | -3.03% | -1.62% | -0.21% | -19.78% | -4.27% | 5.51% | -42.24% | -4,203 bps | |
| Net Interest Margin | 2.99% | 3.12% | 3.45% | 3.27% | 3.02% | 2.88% | 3.11% | 3.10% | -16 bps | |
| Efficiency Ratio | 131.89% | 101.73% | 111.68% | 109.62% | 134.42% | 116.31% | 112.72% | 122.77% | +1,314 bps | |
| Non-Interest Burden | 3.83% | 3.19% | 3.86% | 3.59% | 4.05% | 3.34% | 3.52% | 3.79% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.28% | -13.07% | -15.32% | -10.39% | -5.07% | -4.19% | -6.39% | -12.96% | -257 bps | |
| Loan Growth (YoY) | -16.99% | -13.71% | -14.75% | -20.51% | -22.08% | -22.14% | -21.32% | -16.18% | +433 bps | |
| Deposit Growth (YoY) | -6.71% | -10.06% | -15.59% | -10.44% | -5.13% | -4.08% | -6.37% | -13.33% | -289 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 | 1.98% | 0.91% | 1.07% | 0.22% | 1.50% | -0.01% | -0.01% | 6.96% | +674 bps | |
| Allowance / Loans | 3.56% | 3.52% | 3.40% | 3.92% | 3.67% | 3.84% | 3.90% | 3.40% | -52 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 | 9.13% | 9.23% | 9.58% | 10.17% | 9.98% | 10.57% | 10.71% | 10.53% | +36 bps | |
| Equity / Assets | 4.66% | 5.12% | 5.44% | 5.37% | 4.88% | 5.08% | 5.44% | 5.75% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.01% | 63.14% | 62.33% | 53.73% | 50.11% | 51.25% | 52.37% | 51.96% | -177 bps | |
| Liquid Assets / Assets | 17.71% | 12.68% | 16.98% | 7.73% | 12.61% | 16.89% | 9.83% | 9.10% | +137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |