Albuquerque, NM · Cert 35428
FDIC
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.56% | -1.12% | -1.73% | -2.34% | -2.53% | -96 bps | |
| Return on Equity | -70.66% | -37.13% | -54.68% | -75.55% | -86.27% | -1,561 bps | |
| Net Interest Margin | 4.02% | 3.51% | 3.78% | 3.82% | 3.92% | -10 bps | |
| Efficiency Ratio | 121.60% | 129.27% | 149.33% | 169.20% | 168.78% | +4,718 bps | |
| Non-Interest Burden | 4.94% | 4.63% | 5.59% | 6.25% | 6.58% | +164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.98% | -19.90% | -17.06% | -17.99% | -15.13% | +485 bps | |
| Loan Growth (YoY) | -19.51% | -20.43% | -15.55% | -17.34% | -11.84% | +767 bps | |
| Deposit Growth (YoY) | -12.03% | -13.73% | -11.97% | -18.54% | -15.30% | -327 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.10% | -0.52% | -0.44% | -0.20% | 0.20% | -190 bps | |
| Allowance / Loans | 4.27% | 4.59% | 4.69% | 4.84% | 4.65% | +37 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 3.85% | 6.48% | 5.76% | 4.80% | 3.94% | +9 bps | |
| Equity / Assets | 1.99% | 4.11% | 3.46% | 2.87% | 2.17% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.76% | 80.84% | 79.19% | 82.57% | 81.98% | +322 bps | |
| Liquid Assets / Assets | 18.36% | 17.00% | 19.01% | 15.56% | 16.33% | -203 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |