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Banco Popular, National Association

Orlando, FL · Cert 35208

FDIC

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Banco Popular, National Association

Orlando, FL · Cert 35208

FDIC

Q3 2008

$76.3MAssets
$5.3MLoans
n/aDeposits
$45.1MEquity

NIM

2.69%Q3 ’063.10%Q3 ’072.74%Q3 ’08+25%+14%

Non-interest income vs. expense

22.68%Q3 ’0622.50%Q3 ’0721.33%Q3 ’08+13%+16%

Executive Summary

  • Earnings: ROA of 5.07%, down 66 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.

Financial Results

Return on Assets (YTD, annualized)

5.07%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+29 bps YoY

Efficiency Ratio (YTD, annualized)

70.21%+78 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets5.73%5.90%3.53%5.29%5.07%-66 bps
Return on Equity13.15%13.37%7.21%10.71%9.82%-334 bps
Net Interest Margin2.00%2.05%2.34%2.31%2.29%+29 bps
Efficiency Ratio69.43%68.41%78.21%69.88%70.21%+78 bps
Non-Interest Burden-7.37%-7.65%-3.49%-6.55%-6.22%+115 bps
Growth
Asset Growth (YoY)-30.54%-40.52%-0.15%-42.90%-46.70%-1,615 bps
Loan Growth (YoY)-38.10%-39.16%-37.01%-45.45%-60.27%-2,217 bps
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.33%0.99%-0.07%0.24%0.23%-110 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital113.03%121.51%136.15%141.82%169.90%+5,687 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a