Albuquerque, NM · Cert 35428
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.89% | -1.12% | -2.37% | -3.57% | -3.16% | -127 bps | |
| Return on Equity | -89.14% | -37.13% | -62.70% | -112.42% | -124.95% | -3,581 bps | |
| Net Interest Margin | 3.81% | 3.51% | 3.89% | 3.77% | 3.78% | -3 bps | |
| Efficiency Ratio | 142.07% | 129.27% | 173.78% | 217% | 167.77% | +2,570 bps | |
| Non-Interest Burden | 5.33% | 4.63% | 6.33% | 7.37% | 6.87% | +154 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 | 3.94% | -0.52% | -0.36% | 0.32% | 1.43% | -251 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 |