PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Banco Del Comercio de RQ

Caguas, PR · Cert 22464

FDIC

Q3 1997

$70.0MAssets
$40.5MLoans
$65.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -1.18%, down 82 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.94% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

-1.18%-82 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets-2.27%-0.15%-0.04%-0.36%-0.59%-1.05%-1.03%-1.18%-82 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-2.52%-6.11%-15.69%-12.64%-17.94%-16.01%-12.63%-13.47%-83 bps
Loan Growth (YoY)-8.42%-12.20%-24.59%-23.25%-23.34%-18.85%-17.62%-16.60%+666 bps
Deposit Growth (YoY)0.72%-3.37%-11.92%-10.49%-13.87%-12.64%-9.17%-8.11%+238 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits74.02%70.47%69.03%68.24%65.88%65.46%62.61%61.94%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a