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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.91% | -0.69% | 0.68% | 0.85% | 2.30% | 1.06% | 1.25% | 1.80% | +95 bps | |
| Return on Equity | -4.15% | -3.28% | 3.22% | 4.03% | 10.59% | 4.34% | 5.45% | 8.02% | +400 bps | |
| Net Interest Margin | 4.25% | 3.77% | 3.81% | 4.09% | 4.09% | 3.71% | 3.84% | 4.13% | +4 bps | |
| Efficiency Ratio | 59.52% | 88.45% | 80.33% | 72.00% | 56.26% | 63.79% | 66.11% | 54.91% | -1,708 bps | |
| Non-Interest Burden | 3.70% | 3.27% | 2.88% | 2.68% | 1.24% | 1.90% | 2.12% | 1.51% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | -1.63% | 0.41% | -1.03% | -2.15% | -5.70% | -14.21% | -14.91% | -1,388 bps | |
| Loan Growth (YoY) | -15.06% | -16.71% | -13.63% | -10.16% | -11.01% | -14.40% | -17.55% | -16.75% | -658 bps | |
| Deposit Growth (YoY) | -1.83% | -0.48% | -0.50% | -1.22% | -6.54% | -10.91% | -10.40% | -11.51% | -1,029 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 14.36% | 15.03% | 17.33% | 14.86% | 15.27% | 13.86% | 13.54% | 13.19% | -167 bps | |
| Net Charge-Offs / Loans | 3.15% | 0.40% | 0.53% | 0.44% | 0.34% | 0.30% | 0.30% | 0.18% | -26 bps | |
| Allowance / Loans | 8.77% | 9.65% | 8.72% | 9.13% | 9.86% | 5.05% | 5.02% | 5.06% | -408 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.6x | 0.6x | 0.4x | 0.4x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.23% | 20.91% | 21.44% | 21.87% | 23.97% | 24.65% | 17.99% | 20.55% | -132 bps | |
| Total Risk-Based Capital | 44.33% | 47.05% | 47.74% | 51.58% | 57.02% | 58.85% | 44.28% | 41.20% | -1,038 bps | |
| Equity / Assets | 21.11% | 20.78% | 21.22% | 21.68% | 23.93% | 25.08% | 19.62% | 20.71% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.91% | 84.91% | 87.45% | 84.70% | 85.61% | 81.58% | 80.47% | 79.69% | -501 bps | |
| Liquid Assets / Assets | 13.33% | 11.00% | 10.27% | 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 | n/a | n/a | n/a |