Ruidoso, NM · Cert 57302
FDIC · 3 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Ruidoso, NM · Cert 57302
FDIC · 3 branches
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.83% | 0.87% | 0.80% | 0.81% | 0.82% | 0.77% | 0.69% | -11 bps | |
| Return on Equity | 8.63% | 7.91% | 7.96% | 7.59% | 7.75% | 7.85% | 7.18% | 6.47% | -113 bps | |
| Net Interest Margin | 3.75% | 3.72% | 3.53% | 3.48% | 3.32% | 3.39% | 3.48% | 3.44% | -4 bps | |
| Efficiency Ratio | 76.29% | 78.14% | 79.75% | 81.11% | 80.88% | 80.40% | 81.28% | 82.78% | +168 bps | |
| Non-Interest Burden | 2.68% | 2.74% | 2.64% | 2.67% | 2.53% | 2.58% | 2.69% | 2.72% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | 2.21% | 2.78% | 7.66% | 6.00% | 4.13% | 1.45% | -1.88% | -954 bps | |
| Loan Growth (YoY) | -9.62% | -5.83% | -2.85% | 0.85% | 0.13% | 0.58% | -1.74% | -5.57% | -642 bps | |
| Deposit Growth (YoY) | -0.49% | 1.05% | 1.83% | 8.34% | 6.57% | 4.91% | 1.40% | -2.92% | -1,126 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 | 0.71% | 0.54% | 0.03% | 0.02% | 0.12% | 0.26% | 0.03% | 0.04% | +2 bps | |
| Allowance / Loans | 2.52% | 2.59% | 2.57% | 2.55% | 2.49% | 2.35% | 2.38% | 2.45% | -10 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 | 19.15% | 19.42% | 19.71% | 18.47% | 19.09% | 19.55% | 20.14% | 20.34% | +187 bps | |
| Equity / Assets | 10.49% | 10.84% | 10.97% | 10.02% | 9.86% | 10.48% | 10.90% | 10.84% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.84% | 59.33% | 59.37% | 56.96% | 55.29% | 56.88% | 57.53% | 55.41% | -155 bps | |
| Liquid Assets / Assets | 32.74% | 31.87% | 33.45% | 32.93% | 34.21% | 33.63% | 32.82% | 32.85% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |