Hato Rey San Juan, PR · Cert 32185
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | -3.83% | -0.52% | -1.53% | -8.07% | -948 bps | |
| Return on Equity | 23.88% | -64.57% | -8.93% | -26.68% | -169.11% | -19,299 bps | |
| Net Interest Margin | 2.27% | 2.37% | 2.29% | 2.48% | 2.37% | +9 bps | |
| Efficiency Ratio | 52.67% | 204% | 94.28% | 62.07% | 80.22% | +2,755 bps | |
| Non-Interest Burden | 0.45% | 5.31% | 2.12% | 1.27% | 1.75% | +130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.68% | -10.97% | -12.56% | -13.07% | -17.69% | -1,401 bps | |
| Loan Growth (YoY) | 6.54% | 1.36% | -3.05% | -5.27% | -11.13% | -1,767 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.51% | 4.37% | 0.44% | 2.75% | 12.22% | +1,171 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.23% | 9.17% | 9.23% | 8.81% | 6.34% | -388 bps | |
| Equity / Assets | 6.15% | 5.71% | 5.86% | 5.62% | 3.87% | -228 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 127.05% | 125.87% | 130.60% | 127.77% | 122.16% | -488 bps | |
| Liquid Assets / Assets | 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 |