Mayaguez, PR · Cert 31027
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 | 0.40% | 0.19% | -0.02% | 0.03%1 | -0.06% | 0.06%1 | -3.47% | -3.21% | -324 bps | |
| Return on Equity | 7.18% | 3.44% | -0.36% | 0.50% | -0.90% | 0.96% | -57.06% | -86.44% | -8,694 bps | |
| Net Interest Margin | 0.92% | 0.98% | 0.92% | 0.77% | 0.81% | 0.99% | 1.16% | 1.67% | +90 bps | |
| Efficiency Ratio | 74.75% | 78.89% | 93.85% | 116.39% | 131.01% | 115.74% | 207% | 102.82% | -1,357 bps | |
| Non-Interest Burden | 0.59% | 0.69% | 0.85% | 0.93% | 1.13% | 1.18% | 2.38% | 1.73% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.31% | -9.10% | -14.79% | -5.13% | -15.60% | -17.41% | -24.68% | -28.29% | -2,317 bps | |
| Loan Growth (YoY) | 0.79% | -2.08% | -6.14% | -5.03% | -4.84% | -4.85% | -3.13% | -5.94% | -90 bps | |
| Deposit Growth (YoY) | 8.77% | 6.91% | 5.09% | 3.63% | -5.13% | -14.51% | -20.97% | -20.35% | -2,398 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 | 0.86% | 0.78% | 1.38% | 0.88% | 1.38% | 1.35% | 1.55% | 10.59% | +971 bps | |
| Allowance / Loans | 3.52% | 3.58% | 3.15% | 3.04% | 2.71% | 2.58% | 4.78% | 3.34% | +30 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 | 10.10% | 10.03% | 10.09% | 10.51% | 10.61% | 11.22% | 6.84% | 5.90% | -461 bps | |
| Equity / Assets | 5.23% | 5.27% | 5.91% | 6.41% | 6.50% | 7.26% | 3.92% | 3.49% | -293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.13% | 84.19% | 82.25% | 84.50% | 87.39% | 93.70% | 100.80% | 99.79% | +1,529 bps | |
| Liquid Assets / Assets | 16.31% | 13.82% | 6.60% | 4.20% | 4.01% | 4.33% | 4.88% | 7.77% | +357 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |