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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -1.36% | -0.73% | 1.86% | 1.00% | 0.56% | -1.44% | 0.56% | -130 bps | |
| Return on Equity | -3.41% | -24.14% | -12.87% | 31.46% | 16.69% | 9.41% | -25.13% | 11.88% | -1,958 bps | |
| Net Interest Margin | 2.16% | 2.23% | 2.27% | 2.51% | 2.53% | 2.70% | 2.97% | 3.10% | +59 bps | |
| Efficiency Ratio | 101.71% | 101.18% | 97.06% | 55.39% | 65.07% | 69.13% | 74.96% | 76.86% | +2,146 bps | |
| Non-Interest Burden | 2.20% | 2.26% | 2.19% | 0.51% | 1.19% | 1.57% | 2.00% | 2.27% | +176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.96% | -1.21% | -4.77% | -6.41% | -6.60% | -4.44% | -17.07% | -19.18% | -1,277 bps | |
| Loan Growth (YoY) | 2.85% | -1.32% | -2.37% | -5.06% | -7.06% | -7.81% | -18.66% | -22.57% | -1,751 bps | |
| Deposit Growth (YoY) | 0.11% | 4.12% | -2.23% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.64% | 2.57% | 1.87% | 0.62% | 0.61% | 0.69% | 1.05% | 0.46% | -16 bps | |
| Allowance / Loans | 1.73% | 1.60% | 1.72% | 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 | 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 | 9.75% | 8.82% | 9.32% | 9.95% | 10.10% | 10.30% | 9.91% | 10.50% | +54 bps | |
| Equity / Assets | 5.80% | 5.31% | 5.80% | 6.01% | 6.09% | 5.97% | 4.53% | 4.96% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.07% | 95.40% | 97.06% | 94.40% | 92.14% | 91.46% | 91.06% | 89.35% | -506 bps | |
| Liquid Assets / Assets | 2.04% | 2.01% | 2.98% | 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 | n/a | n/a | n/a |