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City Bank New Mexico

Ruidoso, NM · Cert 57302

FDIC · 3 branches

Q2 2014

$114.6MAssets
$56.2MLoans
$101.5MDeposits
$12.4MEquity
Loan mix
81%RE $27.4M15%C&I $5.0M5%Consumer $1.6MQ2 2013Q2 2014
Deposit mix
76%Interest-bearing $77.2M24%Noninterest $24.3MQ2 2013Q2 2014

NIM

4.41%Q2 ’123.87%Q2 ’133.82%Q2 ’14-12%-1%

Non-interest income vs. expense

3.58%Q2 ’123.49%Q2 ’133.47%Q2 ’14-6%+2%

Executive Summary

  • Earnings: ROA of 0.69%, down 11 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 55.41% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.69%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-4 bps YoY

Efficiency Ratio (YTD, annualized)

82.78%+168 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.80%0.81%0.82%0.77%0.69%-11 bps
Return on Equity7.59%7.75%7.85%7.18%6.47%-113 bps
Net Interest Margin3.48%3.32%3.39%3.48%3.44%-4 bps
Efficiency Ratio81.11%80.88%80.40%81.28%82.78%+168 bps
Non-Interest Burden2.67%2.53%2.58%2.69%2.72%+6 bps
Growth
Asset Growth (YoY)7.66%6.00%4.13%1.45%-1.88%-954 bps
Loan Growth (YoY)0.85%0.13%0.58%-1.74%-5.57%-642 bps
Deposit Growth (YoY)8.34%6.57%4.91%1.40%-2.92%-1,126 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.12%0.26%0.03%0.04%+2 bps
Allowance / Loans2.55%2.49%2.35%2.38%2.45%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.47%19.09%19.55%20.14%20.34%+187 bps
Equity / Assets10.02%9.86%10.48%10.90%10.84%+82 bps
Liquidity & Funding
Loans / Deposits56.96%55.29%56.88%57.53%55.41%-155 bps
Liquid Assets / Assets32.93%34.21%33.63%32.82%32.85%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a