Hato Rey San Juan, PR · Cert 32185
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hato Rey San Juan, PR · Cert 32185
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 | -0.20% | -0.16% | -1.59% | 1.41% | -1.17% | -0.96% | -1.09% | -8.07% | -948 bps | |
| Return on Equity | -2.78% | -2.17% | -22.49% | 23.88% | -19.96% | -16.36% | -18.82% | -169.11% | -19,299 bps | |
| Net Interest Margin | 2.10% | 2.14% | 2.22% | 2.27% | 2.36% | 2.43% | 2.48% | 2.37% | +9 bps | |
| Efficiency Ratio | 77.01% | 74.91% | 70.96% | 52.67% | 115.42% | 109.32% | 98.15% | 80.22% | +2,755 bps | |
| Non-Interest Burden | 1.53% | 1.49% | 1.45% | 0.45% | 2.89% | 2.74% | 2.42% | 1.75% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -7.39% | -5.36% | -3.68% | -10.97% | -12.56% | -13.07% | -17.69% | -1,401 bps | |
| Loan Growth (YoY) | 7.44% | 7.47% | 7.08% | 6.54% | 1.36% | -3.05% | -5.27% | -11.13% | -1,767 bps | |
| Deposit Growth (YoY) | -5.44% | -5.47% | -1.17% | 4.81% | 3.13% | -2.03% | -4.82% | -7.58% | -1,239 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 | 0.31% | 0.37% | 0.52% | 0.51% | 2.45% | 1.81% | 2.09% | 12.22% | +1,171 bps | |
| Allowance / Loans | 1.79% | 1.91% | 2.93% | 2.99% | 2.27% | 2.41% | 2.57% | 1.84% | -115 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 | 11.46% | 11.96% | 9.78% | 10.23% | 9.17% | 9.23% | 8.81% | 6.34% | -388 bps | |
| Equity / Assets | 7.46% | 7.58% | 5.65% | 6.15% | 5.71% | 5.86% | 5.62% | 3.87% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.06% | 131.97% | 128.38% | 127.05% | 125.87% | 130.60% | 127.77% | 122.16% | -488 bps | |
| Liquid Assets / Assets | 1.00% | 0.93% | 0.55% | 1.12% | 0.55% | 0.69% | 1.12% | 0.96% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |