Albuquerque, NM · Cert 34726
FDIC · 21 branches
Q2 2023
Market Position · Albuquerque, NM · 2023 SOD (annual) · 6.8% share · #6 of 23 inst. · $1.4B of $20.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.91% | 1.24% | 1.23% | 1.67% | 1.79% | 1.53% | 1.40% | +17 bps | |
| Return on Equity | 14.34% | 10.45% | 15.52% | 18.04% | 28.43% | 31.06% | 24.22% | 20.51% | +247 bps | |
| Net Interest Margin | 3.19% | 2.98% | 2.93% | 2.96% | 3.37% | 3.65% | 3.44% | 3.21% | +24 bps | |
| Efficiency Ratio | 54.64% | 62.33% | 55.90% | 54.14% | 47.57% | 42.97% | 52.69% | 55.24% | +110 bps | |
| Non-Interest Burden | 1.50% | 1.62% | 1.37% | 1.36% | 1.30% | 1.25% | 1.57% | 1.51% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.99% | 29.07% | 9.33% | 6.10% | 3.09% | 2.39% | 1.90% | -2.14% | -824 bps | |
| Loan Growth (YoY) | 12.43% | 15.65% | 6.68% | 6.81% | 2.52% | 0.52% | -4.62% | -5.76% | -1,257 bps | |
| Deposit Growth (YoY) | 26.24% | 31.94% | 12.29% | 10.22% | 10.02% | 3.64% | 1.04% | -2.22% | -1,244 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.62% | 0.47% | 0.43% | 0.43% | 0.43% | 0.52% | 0.26% | -18 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.32% | 0.16% | 0.05% | 0.01% | 0.08% | -0.01% | 0.04% | 0 bps | |
| Allowance / Loans | 1.08% | 0.98% | 0.87% | 0.88% | 0.89% | 0.93% | 0.90% | 0.89% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.8x | 2.0x | 2.1x | 2.2x | 1.7x | 3.5x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.17% | 7.78% | 8.02% | 7.70% | 7.91% | 8.12% | 8.62% | 9.12% | +142 bps | |
| Total Risk-Based Capital | 12.80% | 12.10% | 12.19% | 12.17% | 12.66% | 13.23% | 14.01% | 14.85% | +268 bps | |
| Equity / Assets | 8.88% | 8.51% | 7.44% | 6.20% | 5.57% | 5.94% | 6.71% | 6.97% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.32% | 57.96% | 59.46% | 56.83% | 55.28% | 56.22% | 56.13% | 54.77% | -206 bps | |
| Liquid Assets / Assets | 0.51% | 0.48% | 0.54% | 0.51% | 5.36% | 5.09% | 5.34% | 5.64% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |