Ponce, PR · Cert 22302
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Ponce, PR · Cert 22302
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.42% | -0.72% | -1.12% | -1.69% | -1.13% | -0.78% | -0.86% | +26 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -32.38% | -23.75% | -27.50% | n/a | |
| Net Interest Margin | n/a | 3.81% | 3.44% | 3.57% | 3.50% | 4.41% | 4.54% | 4.55% | +98 bps | |
| Efficiency Ratio | n/a | 109.89% | 119.06% | 122.41% | 134.29% | 124.33% | 116.24% | 117.86% | -455 bps | |
| Non-Interest Burden | n/a | 4.23% | 4.16% | 4.44% | 4.81% | 5.54% | 5.33% | 5.44% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.96% | -4.94% | 1.15% | 11.96% | 7.97% | -0.83% | -0.80% | -7.37% | -1,933 bps | |
| Loan Growth (YoY) | -14.12% | -7.12% | -9.34% | -4.23% | 17.99% | 13.67% | 22.37% | 13.06% | +1,730 bps | |
| Deposit Growth (YoY) | -12.60% | -7.42% | -0.34% | 12.67% | 10.33% | 2.55% | 2.27% | -4.63% | -1,730 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 | n/a | 0.74% | 1.06% | 1.17% | 0.86% | 0.14% | 1.05% | 1.42% | +25 bps | |
| Allowance / Loans | n/a | 1.95% | 1.74% | 1.63% | 1.46% | 2.04% | 1.43% | 1.04% | -59 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 | n/a | 10.33% | 9.30% | 8.75% | 6.48% | 4.92% | 4.71% | 4.35% | -440 bps | |
| Equity / Assets | n/a | 6.29% | 5.42% | 4.96% | 4.14% | 2.82% | 2.85% | 2.71% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.09% | 79.01% | 76.45% | 73.48% | 86.73% | 87.58% | 91.48% | 87.11% | +1,363 bps | |
| Liquid Assets / Assets | 0.00% | 1.36% | 1.66% | 2.36% | 0.42% | 1.50% | 0.37% | 1.57% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |