Las Cruces, NM · Cert 35492
FDIC · 6 branches
Q4 2023
Market Position · El Paso, TX · 2023 SOD (annual) · 1.9% share · #9 of 17 inst. · $0.2B of $11.1B
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.91% | 1.03% | 1.28% | 1.89% | 1.67% | 1.60% | 1.46% | +19 bps | |
| Return on Equity | 7.54% | 9.04% | 10.43% | 12.96% | 19.14% | 16.29% | 15.38% | 13.79% | +83 bps | |
| Net Interest Margin | 3.48% | 3.41% | 3.53% | 3.86% | 5.14% | 4.87% | 4.61% | 4.51% | +65 bps | |
| Efficiency Ratio | 71.61% | 67.45% | 65.29% | 60.90% | 54.61% | 58.57% | 58.96% | 60.77% | -13 bps | |
| Non-Interest Burden | 2.44% | 2.25% | 2.25% | 2.28% | 2.72% | 2.77% | 2.64% | 2.67% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 16.66% | 17.42% | 7.78% | 6.27% | -2.70% | -2.58% | 0.89% | -689 bps | |
| Loan Growth (YoY) | 2.97% | -1.75% | 4.78% | 2.98% | 8.91% | 0.27% | -3.22% | 5.49% | +251 bps | |
| Deposit Growth (YoY) | 6.27% | 22.03% | 23.05% | 11.40% | 2.27% | -4.35% | -4.44% | -2.45% | -1,385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | -0.01% | -0.01% | -0.02% | -0.07% | -0.05% | -3 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.16% | 1.16% | 1.17% | 1.22% | 1.27% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | 2761.0x | n/a | n/a | 73.2x | 91.9x | 150.5x | 211.6x | 370.3x | +297.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 9.87% | 9.81% | 10.38% | 11.13% | 11.40% | 11.37% | 11.94% | +156 bps | |
| Total Risk-Based Capital | 10.01% | 9.87% | 9.81% | 10.38% | 14.93% | 14.18% | 15.96% | 15.42% | +505 bps | |
| Equity / Assets | 9.99% | 9.55% | 9.31% | 9.87% | 9.92% | 10.94% | 11.00% | 11.33% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.91% | 79.89% | 80.03% | 83.19% | 88.29% | 83.74% | 81.05% | 89.96% | +677 bps | |
| Liquid Assets / Assets | 16.16% | 14.65% | 15.22% | 20.88% | 21.52% | 21.94% | 24.13% | 17.89% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |