Santurce, PR · Charter 13284
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.99% | 3.04% | 3.45% | 3.74% | 3.90% | 8.20% | 1.08% | -16.55% | -2,029 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -1.73% | 2.99% | -46.40% | -56.30% | -63.93% | -6,220 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 0.80% | 22.75% | -56.36% | -69.79% | -75.72% | -7,652 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -2.83% | 5.79% | -67.85% | -76.67% | -81.52% | -7,869 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 2.55% | 2.05% | 2.07% | 0.60% | 4.37% | 1.79% | 39.81% | +3,775 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 | 4.34% | 4.90% | 4.83% | 2.67% | 3.45% | 11.88% | 3.19% | 4.22% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.16% | 95.41% | 96.94% | 101.15% | 110.40% | 129.49% | 125.57% | 132.92% | +3,177 bps | |
| Liquid Assets / Assets | 25.48% | 21.55% | 26.44% | 22.57% | 14.16% | 29.79% | 49.97% | 48.31% | +2,573 bps | |