Albuquerque, NM · Charter 61817
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Albuquerque, NM · Charter 61817
Q3 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.14% | 0.64% | 0.65% | 0.74% | 0.65% | 0.11% | 0.27% | -0.07% | -81 bps | |
| Return on Equity | -11.55% | 7.03% | 6.92% | 7.03% | 7.04% | 1.27% | 3.07% | -0.86% | -789 bps | |
| Net Interest Margin | 2.99% | 2.72% | 2.89% | 3.32% | 2.99% | 3.43% | 3.85% | 3.48% | +16 bps | |
| Efficiency Ratio | 100.19% | 83.57% | 83.55% | 84.46% | 82.66% | 75.06% | 85.33% | 94.25% | +979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.96% | 15.05% | 10.31% | 1.77% | 19.97% | 9.46% | 13.14% | 32.95% | +3,118 bps | |
| Loan Growth (YoY) | -16.99% | -3.64% | 8.59% | 35.84% | 75.61% | 60.96% | 42.70% | 18.18% | -1,766 bps | |
| Share Growth (YoY) | 17.91% | 18.57% | 11.64% | 1.98% | 20.74% | 9.92% | 14.04% | 34.82% | +3,284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.76% | 0.45% | 0.60% | 0.33% | 0.45% | 0.36% | 0.97% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.89% | 2.35% | 1.92% | 1.44% | 1.28% | 1.46% | 1.35% | 1.24% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 9.12% | 9.45% | 10.50% | 9.21% | 8.83% | 8.70% | 7.90% | -260 bps | |
| Net Worth / Assets | 9.86% | 9.12% | 9.45% | 10.50% | 9.21% | 8.83% | 8.70% | 7.90% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.54% | 50.48% | 54.64% | 70.64% | 72.05% | 73.91% | 68.37% | 61.92% | -872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |