Albuquerque, NM · Cert 35279
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.00% | -2.16% | -8.03% | -2.19% | -15.22% | -7.51% | -17.92% | -989 bps | |
| Return on Equity | -0.80% | 0.00% | -20.42% | -81.03% | -24.71% | -221% | -171.42% | -1341% | -125,978 bps | |
| Net Interest Margin | 2.91% | 3.01% | 1.92% | 1.01% | 1.47% | 1.06% | 0.80% | 1.73% | +71 bps | |
| Efficiency Ratio | 102.90% | 100.00% | 191.73% | 420% | 244% | 811% | 5812% | n/a | n/a | |
| Non-Interest Burden | 3.00% | 3.01% | 3.67% | 3.73% | 3.70% | 7.65% | 8.37% | 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 | 0.06% | 0.00% | 0.50% | 0.00% | 0.79% | 1.84% | 2.24% | 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 |