Catano, PR · Cert 32102
FDIC · 26 branches
Q4 2014
Market Position · San Juan-Carolina-Caguas, PR · 2014 SOD (annual) · 4.4% share · #7 of 8 inst. · $2.2B of $48.6B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.55% | -0.57% | -1.03% | -1.46% | -5.54% | -4.94% | -4.68% | -365 bps | |
| Return on Equity | -6.59% | -6.49% | -6.65% | -12.01% | -16.76% | -70.62% | -64.04% | -61.19% | -4,918 bps | |
| Net Interest Margin | 3.10% | 2.82% | 2.80% | 2.77% | 2.95% | 2.88% | 2.99% | 3.39% | +63 bps | |
| Efficiency Ratio | 89.03% | 99.27% | 96.65% | 105.09% | 94.59% | 127.75% | 146.00% | 145.06% | +3,997 bps | |
| Non-Interest Burden | 2.64% | 2.79% | 2.68% | 2.94% | 2.74% | 3.75% | 4.39% | 5.01% | +206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.18% | 4.01% | 3.39% | 2.23% | 1.30% | -0.56% | -19.57% | -26.00% | -2,822 bps | |
| Loan Growth (YoY) | 4.88% | 4.13% | 2.68% | 2.41% | -0.04% | -6.30% | -23.70% | -27.10% | -2,952 bps | |
| Deposit Growth (YoY) | 4.64% | 9.61% | 7.92% | 7.60% | 3.65% | -4.17% | -9.50% | -18.41% | -2,600 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 | 1.66% | 1.29% | 1.15% | 1.09% | 1.09% | 5.91% | 5.34% | 4.51% | +342 bps | |
| Allowance / Loans | 1.84% | 1.62% | 1.64% | 1.83% | 2.09% | 2.04% | 2.43% | 2.79% | +96 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 | 12.80% | 12.70% | 12.19% | 12.38% | 7.40% | 4.26% | 4.38% | 3.99% | -840 bps | |
| Equity / Assets | 8.65% | 8.58% | 8.39% | 8.78% | 8.59% | 6.16% | 7.24% | 7.24% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.27% | 126.54% | 127.19% | 127.07% | 124.66% | 123.74% | 107.23% | 113.53% | -1,354 bps | |
| Liquid Assets / Assets | 7.04% | 6.82% | 6.75% | 6.05% | 6.30% | 10.74% | 8.21% | 5.12% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |