Albuquerque, NM · Cert 34554
FDIC
Q3 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.15% | -0.12% | -0.08% | -0.31% | -0.21% | 0.03%1 | -0.72% | -64 bps | |
| Return on Equity | -15.36% | -3.03% | -2.31% | -1.60% | -6.14% | -4.27% | 0.63% | -13.76% | -1,216 bps | |
| Net Interest Margin | 3.03% | 3.12% | 3.34% | 3.33% | 3.24% | 2.88% | 3.17% | 3.22% | -11 bps | |
| Efficiency Ratio | 123.44% | 101.73% | 106.37% | 107.37% | 113.22% | 116.31% | 114.49% | 117.09% | +972 bps | |
| Non-Interest Burden | 3.76% | 3.19% | 3.58% | 3.60% | 3.70% | 3.34% | 3.63% | 3.77% | +17 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 | 2.31% | 0.91% | 1.00% | 0.85% | 1.03% | -0.01% | -0.01% | 2.31% | +146 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 |