Hato Rey, PR · Cert 26592
FDIC
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 1.00% | 0.56% | -1.44% | 0.56% | -130 bps | |
| Return on Equity | 31.46% | 16.69% | 9.41% | -25.13% | 11.88% | -1,958 bps | |
| Net Interest Margin | 2.51% | 2.53% | 2.70% | 2.97% | 3.10% | +59 bps | |
| Efficiency Ratio | 55.39% | 65.07% | 69.13% | 74.96% | 76.86% | +2,146 bps | |
| Non-Interest Burden | 0.51% | 1.19% | 1.57% | 2.00% | 2.27% | +176 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.41% | -6.60% | -4.44% | -17.07% | -19.18% | -1,277 bps | |
| Loan Growth (YoY) | -5.06% | -7.06% | -7.81% | -18.66% | -22.57% | -1,751 bps | |
| Deposit Growth (YoY) | -3.55% | -3.10% | -3.84% | -13.30% | -18.19% | -1,464 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.62% | 0.61% | 0.69% | 1.05% | 0.46% | -16 bps | |
| Allowance / Loans | 1.62% | 1.67% | 2.02% | 3.43% | 3.74% | +211 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.95% | 10.10% | 10.30% | 9.91% | 10.50% | +54 bps | |
| Equity / Assets | 6.01% | 6.09% | 5.97% | 4.53% | 4.96% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.40% | 92.14% | 91.46% | 91.06% | 89.35% | -506 bps | |
| Liquid Assets / Assets | 1.43% | 1.40% | 1.75% | 4.77% | 4.70% | +327 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |