Bayamon, PR · Charter 21773
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.63% | -0.24% | -0.30% | -3.68% | -3.45% | -8.38% | -520% | -51,933 bps | |
| Return on Equity | 4.68% | 3.54% | -1.30% | -1.61% | -21.56% | -21.15% | -56.78% | n/a | n/a | |
| Net Interest Margin | 3.88% | 2.69% | 2.62% | 2.53% | 2.99% | 1.72% | 3.53% | 204% | +20,130 bps | |
| Efficiency Ratio | 79.57% | 77.96% | 106.20% | 108.90% | 198.11% | 292% | 336% | 212% | +10,305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.12% | -7.77% | -2.15% | -5.64% | -12.89% | -12.92% | -20.75% | -99.09% | -9,345 bps | |
| Loan Growth (YoY) | -11.45% | 4.41% | 8.63% | 0.20% | -18.11% | -36.29% | -67.42% | -100.00% | -10,020 bps | |
| Share Growth (YoY) | -1.52% | -4.98% | -3.04% | -7.11% | -12.03% | -10.92% | -20.63% | -100.00% | -9,289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 20.50% | 19.05% | 19.87% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 22.61% | 20.52% | 18.88% | 20.69% | 9.23% | 10.94% | 20.57% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 17.69% | 17.94% | 18.24% | 18.74% | 17.08% | 16.32% | 14.75% | 0.00% | -1,874 bps | |
| Net Worth / Assets | 17.69% | 17.94% | 18.24% | 18.74% | 17.08% | 16.32% | 14.75% | 0.00% | -1,874 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.07% | 38.98% | 40.78% | 38.69% | 32.64% | 27.88% | 16.74% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |