San Juan, PR · Cert 19919
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 · Cert 19919
FDIC
Q3 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13%1 | 0.50% | 0.57% | 0.68% | 0.65% | 0.67% | 0.76% | 0.81% | +13 bps | |
| Return on Equity | 1.22% | 4.39% | 5.01% | 5.90% | 5.67% | 5.81% | 6.48% | 6.77% | +87 bps | |
| Net Interest Margin | 3.14% | 3.08% | 3.10% | 3.24% | 3.32% | 3.51% | 3.39% | 3.60% | +36 bps | |
| Efficiency Ratio | 60.24% | 62.16% | 62.92% | 63.14% | 63.16% | 61.18% | 61.25% | 60.11% | -303 bps | |
| Non-Interest Burden | 1.58% | 1.60% | 1.68% | 1.78% | 1.85% | 1.87% | 1.84% | 1.93% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.44% | -4.63% | -2.80% | -3.75% | 3.81% | 6.39% | 2.00% | 1.92% | +567 bps | |
| Loan Growth (YoY) | -8.13% | -5.81% | -1.04% | -1.60% | 3.93% | 4.55% | 5.91% | 5.24% | +684 bps | |
| Deposit Growth (YoY) | -1.34% | 9.89% | 5.92% | 0.99% | 9.10% | 11.71% | 17.91% | 16.90% | +1,591 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.72% | 1.06% | 1.72% | 1.72% | 1.69% | 1.00% | 1.07% | 1.38% | -34 bps | |
| Allowance / Loans | 4.59% | 4.63% | 4.39% | 4.04% | 3.57% | 3.58% | 3.48% | 3.20% | -84 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.24% | 14.66% | 15.20% | 14.94% | 14.64% | 14.85% | 15.33% | 15.62% | +68 bps | |
| Equity / Assets | 11.30% | 11.31% | 11.42% | 11.90% | 11.69% | 11.46% | 12.05% | 12.43% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.67% | 120.75% | 119.19% | 119.37% | 124.49% | 113.02% | 107.07% | 107.46% | -1,191 bps | |
| Liquid Assets / Assets | 2.23% | 0.85% | 0.81% | 0.77% | 0.11% | 6.31% | 5.58% | 5.77% | +500 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |