San Juan, PR · Charter 10234
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
San Juan, PR · Charter 10234
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.86% | -4.04% | -1.98% | -1.03% | -0.94% | 7.38% | -22.18% | -2,019 bps | |
| Return on Equity | -1.49% | -3.65% | -17.91% | -9.05% | -4.47% | -4.00% | 28.24% | -143.39% | -13,433 bps | |
| Net Interest Margin | 2.23% | 2.49% | 3.45% | 2.81% | 2.75% | 2.98% | 6.28% | -10.73% | -1,354 bps | |
| Efficiency Ratio | 111.54% | 119.06% | 216% | 170.29% | 137.32% | 131.24% | 75.44% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.26% | -14.62% | -5.42% | -0.66% | -7.00% | -3.89% | -6.67% | -17.07% | -1,641 bps | |
| Loan Growth (YoY) | -10.15% | -9.17% | -14.11% | -3.50% | -2.81% | -10.90% | -6.63% | -19.78% | -1,628 bps | |
| Share Growth (YoY) | -12.06% | -15.09% | -6.01% | 0.84% | -7.44% | -4.51% | -10.51% | -9.93% | -1,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.80% | 8.71% | 7.20% | 7.33% | 11.67% | 3.76% | 4.86% | 0.00% | -733 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 | 8.61% | 9.05% | 9.49% | 9.05% | 9.72% | 9.71% | 6.13% | 1.03% | -801 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.77% | 23.46% | 22.55% | 21.91% | 23.11% | 23.47% | 26.12% | 15.47% | -645 bps | |
| Net Worth / Assets | 22.77% | 23.46% | 22.55% | 21.91% | 23.11% | 23.47% | 26.12% | 15.47% | -645 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.71% | 53.07% | 50.23% | 50.81% | 50.10% | 49.52% | 52.41% | 45.25% | -556 bps | |
| Liquid Assets / Assets | 44.74% | 53.50% | 42.05% | 55.33% | 56.25% | 58.14% | 54.14% | 0.00% | -5,533 bps | |