Lovington, NM · Charter 66109
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Lovington, NM · Charter 66109
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.82% | 1.63% | 1.78% | 1.87% | 1.88% | 1.95% | 0.58% | -121 bps | |
| Return on Equity | 5.42% | 7.33% | 13.20% | 14.62% | 14.66% | 14.25% | 15.08% | 4.43% | -1,019 bps | |
| Net Interest Margin | 5.18% | 5.47% | 5.72% | 5.92% | 6.11% | 6.23% | 5.87% | 5.84% | -8 bps | |
| Efficiency Ratio | 84.07% | 84.16% | 79.88% | 76.41% | 77.52% | 75.69% | 74.02% | 82.03% | +562 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.21% | 21.54% | 12.19% | 14.00% | 1.23% | 3.14% | 12.07% | 7.75% | -625 bps | |
| Loan Growth (YoY) | 18.50% | 22.81% | 19.25% | 22.50% | 12.51% | 9.72% | 7.64% | 6.77% | -1,572 bps | |
| Share Growth (YoY) | 23.01% | 23.22% | 12.19% | 13.92% | 1.03% | 0.39% | 11.86% | 6.58% | -734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.12% | 2.01% | 1.60% | 1.18% | 2.35% | 2.65% | 1.91% | +32 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 | 2.83% | 2.45% | 1.95% | 1.78% | 1.31% | 1.24% | 1.18% | 1.25% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.68% | 11.19% | 12.32% | 12.21% | 12.76% | 13.22% | 12.95% | 13.00% | +79 bps | |
| Net Worth / Assets | 10.68% | 11.19% | 12.32% | 12.21% | 12.76% | 13.22% | 12.95% | 13.00% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.17% | 77.04% | 79.57% | 78.02% | 79.26% | 84.20% | 76.57% | 78.16% | +14 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |