Albuquerque, NM · Cert 35279
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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 35279
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.16% | -0.66% | -8.03% | -5.10% | -8.42% | -8.21% | -17.92% | -989 bps | |
| Return on Equity | -2.24% | -1.50% | -6.26% | -81.03% | -54.08% | -99.85% | -108.88% | -1341% | -125,978 bps | |
| Net Interest Margin | 3.05% | 3.07% | 2.83% | 1.01% | 1.27% | 1.18% | 1.18% | 1.73% | +71 bps | |
| Efficiency Ratio | 95.27% | 96.84% | 112.41% | 420% | 309% | 811% | 5812% | n/a | n/a | |
| Non-Interest Burden | 2.90% | 2.97% | 3.19% | 3.73% | 3.83% | 5.03% | 6.28% | 10.62% | +690 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.93% | -2.81% | 0.75% | -5.11% | 4.40% | -6.90% | -16.11% | -11.98% | -687 bps | |
| Loan Growth (YoY) | -11.20% | -3.51% | -13.05% | -10.03% | -9.58% | -15.08% | -6.78% | -17.60% | -757 bps | |
| Deposit Growth (YoY) | -13.25% | -4.37% | 0.60% | -3.91% | 7.48% | -1.11% | -9.48% | -2.00% | +191 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 | 0.07% | 0.05% | 0.16% | 0.00% | 0.40% | 0.89% | 1.26% | 7.28% | +728 bps | |
| Allowance / Loans | 1.40% | 1.35% | 1.63% | 3.39% | 3.25% | 5.77% | 5.48% | 7.40% | +400 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 | 12.66% | 13.21% | 14.92% | 12.13% | 11.43% | 7.53% | 5.52% | -1.15% | -1,328 bps | |
| Equity / Assets | 11.06% | 10.68% | 10.53% | 9.25% | 8.45% | 5.19% | 3.53% | -0.91% | -1,016 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.38% | 93.73% | 77.12% | 83.77% | 79.39% | 80.49% | 79.42% | 70.43% | -1,333 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 8.83% | 6.89% | 5.41% | 4.72% | 2.88% | -595 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |