Santa Fe, NM · Charter 7458
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 7458
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.36% | -7.42% | -3.11% | -1.83% | -6.96% | -2.65% | 0.51% | +362 bps | |
| Return on Equity | -2.30% | -3.37% | -84.49% | -34.06% | -22.08% | -182.94% | -73.06% | 10.20% | +4,426 bps | |
| Net Interest Margin | 5.33% | 5.34% | 5.21% | 6.09% | 6.08% | 6.58% | 7.10% | 7.33% | +124 bps | |
| Efficiency Ratio | 86.29% | 85.78% | 82.77% | 60.05% | 60.30% | 77.54% | 82.22% | 63.02% | +297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.14% | 3.30% | 3.85% | 6.51% | 10.64% | 2.96% | -12.36% | -18.25% | -2,476 bps | |
| Loan Growth (YoY) | 6.84% | 9.19% | 12.18% | 20.66% | 16.46% | 8.96% | -4.71% | -27.44% | -4,811 bps | |
| Share Growth (YoY) | 10.22% | 3.68% | 6.25% | 9.20% | 14.02% | 11.38% | -5.86% | -13.41% | -2,261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.20% | 3.43% | 3.69% | 2.82% | 1.96% | 3.83% | 2.28% | 2.99% | +18 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 | 0.94% | 0.60% | 0.75% | 0.79% | 1.03% | 6.53% | 6.81% | 6.81% | +602 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.79% | 10.62% | 8.78% | 9.12% | 8.28% | 3.81% | 3.63% | 5.00% | -412 bps | |
| Net Worth / Assets | 10.79% | 10.62% | 8.78% | 9.12% | 8.28% | 3.81% | 3.63% | 5.00% | -412 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.16% | 96.59% | 93.99% | 102.52% | 98.22% | 94.49% | 95.14% | 85.90% | -1,662 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |