Santa Fe, NM · Charter 68438
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Santa Fe, NM · Charter 68438
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | -0.51% | -0.48% | -0.29% | -0.13% | -0.85% | -0.89% | -7.17% | -688 bps | |
| Return on Equity | 6.02% | -8.27% | -7.85% | -4.72% | -2.13% | -15.76% | -18.58% | -45367333% | -4,536,732,862 bps | |
| Net Interest Margin | 3.44% | 3.28% | 3.33% | 3.35% | 3.13% | 2.61% | 2.44% | 2.38% | -97 bps | |
| Efficiency Ratio | 87.59% | 106.22% | 104.95% | 99.78% | 95.94% | 118.53% | 123.54% | 218% | +11,870 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.06% | 1.38% | 0.31% | 0.89% | -4.65% | 9.78% | 18.57% | 16.43% | +1,554 bps | |
| Loan Growth (YoY) | -2.63% | -12.69% | -12.92% | -11.05% | -2.55% | -5.47% | -5.75% | -21.21% | -1,017 bps | |
| Share Growth (YoY) | 7.08% | 1.79% | 0.65% | 1.75% | -4.83% | 10.79% | 20.39% | 24.09% | +2,234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.49% | 0.12% | 1.12% | 7.81% | 11.39% | 12.60% | 4.23% | +311 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 | 0.24% | 0.32% | 0.25% | 0.36% | 0.34% | 0.47% | 0.72% | 0.64% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.09% | 6.16% | 6.13% | 6.19% | 6.19% | 5.39% | 4.80% | 0.00% | -619 bps | |
| Net Worth / Assets | 6.09% | 6.16% | 6.13% | 6.19% | 6.19% | 5.39% | 4.80% | 0.00% | -619 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.05% | 85.47% | 85.92% | 85.59% | 84.02% | 72.93% | 67.26% | 54.34% | -3,125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |