Hato Rey, PR · Cert 22946
FDIC · 19 branches
Q3 2019
Market Position · San Juan-Bayamon-Caguas, PR · 2019 SOD (annual) · 3.6% share · #6 of 7 inst. · $2.4B of $66.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 6.69% | 1.06% | 1.44% | 3.02% | +182 bps | |
| Return on Equity | 5.60% | 29.37% | 4.34% | 6.40% | 14.99% | +939 bps | |
| Net Interest Margin | 4.64% | 3.86% | 3.71% | 3.86% | 3.94% | -70 bps | |
| Efficiency Ratio | 57.75% | 32.84% | 63.79% | 68.48% | 34.82% | -2,293 bps | |
| Non-Interest Burden | 2.25% | -3.22% | 1.90% | 2.27% | -0.14% | -239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.03% | -2.15% | -5.70% | -14.21% | -14.91% | -1,388 bps | |
| Loan Growth (YoY) | -10.16% | -11.01% | -14.40% | -17.55% | -16.75% | -658 bps | |
| Deposit Growth (YoY) | -1.22% | -6.54% | -10.91% | -10.40% | -11.51% | -1,029 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 14.86% | 15.27% | 13.86% | 13.54% | 13.19% | -167 bps | |
| Net Charge-Offs / Loans | 0.21% | -0.02% | 0.30% | 0.29% | -0.08% | -29 bps | |
| Allowance / Loans | 9.13% | 9.86% | 5.05% | 5.02% | 5.06% | -408 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.4x | 0.4x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.87% | 23.97% | 24.65% | 17.99% | 20.55% | -132 bps | |
| Total Risk-Based Capital | 51.58% | 57.02% | 58.85% | 44.28% | 41.20% | -1,038 bps | |
| Equity / Assets | 21.68% | 23.93% | 25.08% | 19.62% | 20.71% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.70% | 85.61% | 81.58% | 80.47% | 79.69% | -501 bps | |
| Liquid Assets / Assets | 9.65% | 9.33% | 9.45% | 5.31% | 13.25% | +360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |