Manati, PR · Charter 21954
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Manati, PR · Charter 21954
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -1.73% | -2.80% | -0.64% | -0.80% | -1.67% | -3.40% | -12.35% | -1,170 bps | |
| Return on Equity | -8.77% | -11.96% | -20.72% | -5.03% | -6.18% | -13.29% | -28.36% | -141.61% | -13,658 bps | |
| Net Interest Margin | 5.59% | 5.87% | 5.99% | 5.03% | 5.58% | 5.52% | 6.09% | 5.44% | +41 bps | |
| Efficiency Ratio | 98.62% | 97.25% | 101.82% | 111.59% | 112.99% | 127.52% | 115.97% | 122.12% | +1,053 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.46% | -19.75% | -11.54% | -7.29% | -7.75% | -2.71% | -9.54% | -12.24% | -495 bps | |
| Loan Growth (YoY) | -5.39% | -4.31% | 3.88% | 2.87% | 3.61% | 8.25% | 2.27% | -5.11% | -798 bps | |
| Share Growth (YoY) | -23.97% | -20.81% | -9.73% | -5.11% | -4.98% | -0.30% | -7.61% | -7.79% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.55% | 3.26% | 2.61% | 11.49% | 6.72% | 7.99% | 8.66% | 2.83% | -866 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 | 2.75% | 2.73% | 3.08% | 3.08% | 2.39% | 2.80% | 3.46% | 1.61% | -147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.13% | 14.47% | 13.54% | 12.76% | 12.96% | 12.57% | 12.00% | 8.72% | -404 bps | |
| Net Worth / Assets | 15.13% | 14.47% | 13.54% | 12.76% | 12.96% | 12.57% | 12.00% | 8.72% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.35% | 72.24% | 74.90% | 70.98% | 77.80% | 78.43% | 82.91% | 73.04% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |