Albuquerque, NM · Cert 34992
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Albuquerque, NM · Cert 34992
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.36%1 | 0.28% | 0.17% | 0.23% | 0.52% | 0.53% | 0.65% | +48 bps | |
| Return on Equity | 0.54% | 5.11% | 4.46% | 2.56% | 2.77% | 6.40% | 6.50% | 7.97% | +540 bps | |
| Net Interest Margin | 1.34% | 1.14% | 1.32% | 1.43% | 1.91% | 2.12% | 1.77% | 1.80% | +37 bps | |
| Efficiency Ratio | 81.33% | 81.75% | 76.46% | 74.37% | 60.08% | 59.98% | 58.19% | 55.50% | -1,887 bps | |
| Non-Interest Burden | 0.83% | 0.74% | 0.74% | 0.77% | 0.77% | 0.78% | 0.55% | 0.42% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.10% | 4.94% | 105.33% | 21.40% | -19.89% | 15.02% | -26.30% | 19.94% | -146 bps | |
| Loan Growth (YoY) | 6.49% | -7.83% | -11.58% | -11.79% | -18.64% | -18.53% | -10.34% | -4.73% | +706 bps | |
| Deposit Growth (YoY) | 8.70% | 11.57% | 11.95% | 8.83% | 4.98% | 4.43% | 10.65% | 7.67% | -116 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 | 0.45% | 0.71% | 0.73% | 1.29% | 3.05% | 1.82% | 2.10% | 1.73% | +45 bps | |
| Allowance / Loans | 2.43% | 2.32% | 2.64% | 3.01% | 3.28% | 3.26% | 3.12% | 3.16% | +15 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 | 14.00% | 15.24% | 12.08% | 16.99% | 17.60% | 17.95% | 17.91% | 18.45% | +146 bps | |
| Equity / Assets | 5.60% | 7.57% | 5.00% | 8.26% | 8.42% | 7.95% | 7.96% | 8.23% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.95% | 36.21% | 34.47% | 32.57% | 30.19% | 28.25% | 27.93% | 28.82% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |