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Bank of Albuquerque, National Association

Albuquerque, NM · Cert 34992

FDIC

Q4 2010

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: Q4 2010, the quarter ended December 31, 2010, 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 of Albuquerque, National Association

Albuquerque, NM · Cert 34992

FDIC

Q4 2010

$1.9BAssets
$368.8MLoans
$1.3BDeposits
$156.7MEquity
Loan mix
75%RE $224.6M25%C&I $75.3M0%Consumer $1.3MQ4 2009Q4 2010
Deposit mix
97%Interest-bearing $1.2B3%Noninterest $0.0BQ4 2009Q4 2010

NIM

3.80%Q4 ’082.43%Q4 ’092.38%Q4 ’10-18%+26%

Non-interest income vs. expense

2.09%Q4 ’081.91%Q4 ’091.72%Q4 ’10+5%-45%

Executive Summary

  • Earnings: ROA of 0.65%, up 48 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.73%.
  • Funding: loans stand at 28.82% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.65%+48 bps YoY

Net Interest Margin (YTD, annualized)

1.80%+37 bps YoY

Efficiency Ratio (YTD, annualized)

55.50%-1,887 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.17%0.23%0.52%0.53%0.65%+48 bps
Return on Equity2.56%2.77%6.40%6.50%7.97%+540 bps
Net Interest Margin1.43%1.91%2.12%1.77%1.80%+37 bps
Efficiency Ratio74.37%60.08%59.98%58.19%55.50%-1,887 bps
Non-Interest Burden0.77%0.77%0.78%0.55%0.42%-35 bps
Growth
Asset Growth (YoY)21.40%-19.89%15.02%-26.30%19.94%-146 bps
Loan Growth (YoY)-11.79%-18.64%-18.53%-10.34%-4.73%+706 bps
Deposit Growth (YoY)8.83%4.98%4.43%10.65%7.67%-116 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.29%3.05%1.82%2.10%1.73%+45 bps
Allowance / Loans3.01%3.28%3.26%3.12%3.16%+15 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 Capital16.99%17.60%17.95%17.91%18.45%+146 bps
Equity / Assets8.26%8.42%7.95%7.96%8.23%-3 bps
Liquidity & Funding
Loans / Deposits32.57%30.19%28.25%27.93%28.82%-375 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a