Farmington, NM · Charter 66133
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.84% | 0.46% | -0.19% | -0.59% | -3.74% | -1.97% | -8.72% | -853 bps | |
| Return on Equity | 3.11% | 5.33% | 3.28% | -1.35% | -4.81% | -33.85% | -20.12% | -169.08% | -16,774 bps | |
| Net Interest Margin | 4.87% | 4.43% | 3.92% | 4.55% | 4.43% | 3.30% | 2.99% | 3.27% | -129 bps | |
| Efficiency Ratio | 91.96% | 85.22% | 90.87% | 103.14% | 110.16% | 150.03% | 143.25% | 281% | +17,777 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | -0.23% | 6.52% | 0.39% | -0.06% | -1.43% | -2.81% | 4.31% | +392 bps | |
| Loan Growth (YoY) | -1.92% | -0.91% | 2.32% | -9.07% | -6.40% | -5.89% | -7.50% | -5.41% | +366 bps | |
| Share Growth (YoY) | 3.99% | -0.89% | 7.03% | 3.09% | 4.68% | 4.15% | 1.84% | 14.77% | +1,168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.74% | 1.94% | 1.99% | 1.98% | 1.42% | 0.69% | 1.21% | 1.11% | -87 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 | 1.49% | 1.55% | 1.67% | 1.56% | 1.32% | 1.49% | 1.24% | 1.67% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.16% | 15.81% | 14.07% | 13.94% | 12.24% | 11.05% | 9.81% | 5.16% | -879 bps | |
| Net Worth / Assets | 16.16% | 15.81% | 14.07% | 13.94% | 12.24% | 11.05% | 9.81% | 5.16% | -879 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.34% | 58.92% | 47.75% | 56.61% | 57.53% | 53.24% | 43.37% | 46.65% | -996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |