Hato Rey, PR · Cert 27150
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.12% | -0.36% | 0.46%1 | -0.57% | -0.72% | -2.56% | -0.59% | -105 bps | |
| Return on Equity | -2.16% | -1.79% | -5.36% | 7.70% | -9.56% | -12.26% | -46.72% | -14.92% | -2,262 bps | |
| Net Interest Margin | 2.16% | 2.22% | 2.09% | 2.03% | 1.84% | 1.75% | 1.60% | 1.46% | -57 bps | |
| Efficiency Ratio | 68.95% | 70.33% | 72.76% | 73.27% | 91.89% | 95.84% | 106.39% | 121.57% | +4,831 bps | |
| Non-Interest Burden | 1.34% | 1.43% | 1.42% | 1.39% | 1.67% | 1.66% | 1.72% | 1.87% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.08% | 8.73% | 3.95% | 3.83% | -3.23% | 0.82% | -10.43% | -15.40% | -1,924 bps | |
| Loan Growth (YoY) | 1.73% | -2.61% | -4.69% | -5.62% | -7.89% | -9.91% | -12.67% | -12.31% | -669 bps | |
| Deposit Growth (YoY) | 9.21% | 3.12% | 4.56% | 12.33% | 1.39% | 6.24% | -5.47% | -15.76% | -2,809 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 | 1.72% | 2.42% | 2.34% | 1.32% | 2.18% | 2.95% | 3.88% | 0.89% | -43 bps | |
| Allowance / Loans | 1.64% | 1.19% | 1.64% | 1.68% | 1.71% | 1.80% | 2.15% | 2.14% | +47 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 | 10.50% | 10.49% | 10.14% | 10.14% | 9.71% | 10.06% | 8.39% | 8.28% | -186 bps | |
| Equity / Assets | 6.44% | 6.24% | 6.10% | 5.79% | 5.85% | 5.67% | 3.82% | 4.12% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.76% | 88.67% | 84.97% | 78.38% | 81.55% | 75.19% | 78.50% | 81.58% | +321 bps | |
| Liquid Assets / Assets | 1.27% | 3.05% | 5.75% | 12.10% | 11.68% | 8.73% | 2.67% | 4.80% | -730 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |