Home > R-G Premier Bank of Puerto Rico > Performance and Condition Ratios
R-G Premier Bank of Puerto Rico, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 3,870 |
| Cost of funding earning assets | 2.7035% | 119 |
| Net interest margin | 2.5283% | 7,449 |
| Noninterest income to average assets | 0.7498% | 2,303 |
| Noninterest expense to average assets | 2.5332% | 5,604 |
| Loan and lease loss provision to assets | 8.7340% | 46 |
| Net operating income to assets | -8.2250% | 7,872 |
| Return on assets (ROA) | -8.0748% | 7,871 |
| Pretax return on assets | -7.9604% | 7,860 |
| Return on Equity (ROE) | -169.1092% | 7,877 |
| Retained earnings to average equity (ytd only) | -169.1092% | 7,875 |
| Net charge-offs to loans | 11.9035% | 35 |
| Credit loss provision to net charge-offs | 81.3455% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.0581% | 4,989 |
| Efficiency ratio | 80.2219% | 2,534 |
| Assets per employee ($millions) | 4.8557% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 2,619 |
| Loan loss allowance to noncurrent loans | 8.1726% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 21.5564% | 43 |
| Noncurrent loans to loans | 22.4742% | 54 |
| Net loans and leases to total assets | 89.0795% | 94 |
| Net loans and leases to deposits | 119.9202% | 138 |
| Net loans and leases to core deposits | 256.1283% | 70 |
| Total domestic deposits to total assets | 74.2823% | 7,007 |
| Equity capital to assets | 3.8689% | 7,804 |
| Core capital (leverage) ratio | 3.6949% | 7,801 |
| Tier 1 risk-based capital ratio | 5.0820% | 7,796 |
| Total risk-based capital ratio | 6.3435% | 7,797 |
| Memoranda: | ||
| Average total assets | $5,869,838,000 | 155 |
| Average earning assets | $5,588,121,000 | 152 |
| Average equity | $280,280,500 | 270 |
| Average total loans | $5,294,560,500 | 119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4577% | 4,402 |
| Cost of funding earning assets | 2.9851% | 247 |
| Net interest margin | 2.4726% | 7,449 |
| Noninterest income to average assets | 0.8539% | 2,163 |
| Noninterest expense to average assets | 3.1480% | 3,556 |
| Loan and lease loss provision to assets | 1.3044% | 1,768 |
| Net operating income to assets | -1.3702% | 6,802 |
| Return on assets (ROA) | -1.0921% | 6,640 |
| Pretax return on assets | -0.9676% | 6,390 |
| Return on Equity (ROE) | -18.8169% | 7,100 |
| Retained earnings to average equity (ytd only) | -18.8169% | 7,059 |
| Net charge-offs to loans | 2.0051% | 1,226 |
| Credit loss provision to net charge-offs | 75.1449% | 6,392 |
| Earnings coverage of net charge-offs (x) | 0.0338% | 6,151 |
| Efficiency ratio | 98.1465% | 1,205 |
| Assets per employee ($millions) | 4.9946% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 1,145 |
| Loan loss allowance to noncurrent loans | 11.7414% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 20.5380% | 53 |
| Noncurrent loans to loans | 21.9033% | 57 |
| Net loans and leases to total assets | 87.3802% | 204 |
| Net loans and leases to deposits | 124.4820% | 124 |
| Net loans and leases to core deposits | 145.3723% | 630 |
| Total domestic deposits to total assets | 70.1950% | 7,410 |
| Equity capital to assets | 5.6246% | 7,716 |
| Core capital (leverage) ratio | 5.5347% | 7,705 |
| Tier 1 risk-based capital ratio | 7.5395% | 7,697 |
| Total risk-based capital ratio | 8.8121% | 7,702 |
| Memoranda: | ||
| Average total assets | $6,529,784,800 | 144 |
| Average earning assets | $6,213,203,400 | 138 |
| Average equity | $378,972,400 | 219 |
| Average total loans | $5,652,968,800 | 113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 4,650 |
| Cost of funding earning assets | 3.0267% | 306 |
| Net interest margin | 2.4301% | 7,538 |
| Noninterest income to average assets | 0.8962% | 1,995 |
| Noninterest expense to average assets | 3.5063% | 2,267 |
| Loan and lease loss provision to assets | 0.8551% | 2,240 |
| Net operating income to assets | -1.2553% | 6,991 |
| Return on assets (ROA) | -0.9560% | 6,806 |
| Pretax return on assets | -0.8554% | 6,576 |
| Return on Equity (ROE) | -16.3565% | 7,253 |
| Retained earnings to average equity (ytd only) | -16.3565% | 7,205 |
| Net charge-offs to loans | 1.7752% | 1,137 |
| Credit loss provision to net charge-offs | 56.1018% | 6,226 |
| Earnings coverage of net charge-offs (x) | -0.1966% | 6,288 |
| Efficiency ratio | 109.3177% | 777 |
| Assets per employee ($millions) | 4.6903% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4093% | 1,162 |
| Loan loss allowance to noncurrent loans | 12.1604% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 18.3088% | 63 |
| Noncurrent loans to loans | 19.8126% | 65 |
| Net loans and leases to total assets | 86.6536% | 300 |
| Net loans and leases to deposits | 127.4516% | 125 |
| Net loans and leases to core deposits | 147.5614% | 645 |
| Total domestic deposits to total assets | 67.9894% | 7,573 |
| Equity capital to assets | 5.8565% | 7,883 |
| Core capital (leverage) ratio | 5.7813% | 7,835 |
| Tier 1 risk-based capital ratio | 7.9578% | 7,797 |
| Total risk-based capital ratio | 9.2285% | 7,810 |
| Memoranda: | ||
| Average total assets | $6,647,606,250 | 148 |
| Average earning assets | $6,320,354,250 | 141 |
| Average equity | $388,524,500 | 222 |
| Average total loans | $5,707,794,250 | 118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 4,504 |
| Cost of funding earning assets | 3.0590% | 402 |
| Net interest margin | 2.4618% | 7,516 |
| Noninterest income to average assets | 1.0267% | 1,510 |
| Noninterest expense to average assets | 3.8808% | 1,516 |
| Loan and lease loss provision to assets | 0.9278% | 1,819 |
| Net operating income to assets | -1.5964% | 7,291 |
| Return on assets (ROA) | -1.1661% | 7,102 |
| Pretax return on assets | -1.0166% | 6,824 |
| Return on Equity (ROE) | -19.9646% | 7,499 |
| Retained earnings to average equity (ytd only) | -19.9646% | 7,451 |
| Net charge-offs to loans | 2.4298% | 729 |
| Credit loss provision to net charge-offs | 44.9457% | 5,829 |
| Earnings coverage of net charge-offs (x) | -0.2515% | 5,922 |
| Efficiency ratio | 115.4184% | 747 |
| Assets per employee ($millions) | 4.8049% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2676% | 1,142 |
| Loan loss allowance to noncurrent loans | 13.0047% | 7,426 |
| Noncurrent assets plus other real estate owned to assets | 16.0009% | 89 |
| Noncurrent loans to loans | 17.4366% | 85 |
| Net loans and leases to total assets | 86.7915% | 314 |
| Net loans and leases to deposits | 123.0172% | 190 |
| Net loans and leases to core deposits | 141.6250% | 947 |
| Total domestic deposits to total assets | 70.5523% | 7,414 |
| Equity capital to assets | 5.7082% | 7,970 |
| Core capital (leverage) ratio | 5.6041% | 7,972 |
| Tier 1 risk-based capital ratio | 7.9000% | 7,924 |
| Total risk-based capital ratio | 9.1683% | 7,939 |
| Memoranda: | ||
| Average total assets | $6,766,928,670 | 150 |
| Average earning assets | $6,418,149,670 | 142 |
| Average equity | $395,248,670 | 222 |
| Average total loans | $5,748,808,330 | 122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 4,967 |
| Cost of funding earning assets | 3.0856% | 475 |
| Net interest margin | 2.4044% | 7,607 |
| Noninterest income to average assets | 1.5718% | 559 |
| Noninterest expense to average assets | 2.0244% | 7,292 |
| Loan and lease loss provision to assets | 0.7328% | 1,750 |
| Net operating income to assets | 0.9667% | 2,456 |
| Return on assets (ROA) | 1.4096% | 1,204 |
| Pretax return on assets | 1.5819% | 1,452 |
| Return on Equity (ROE) | 23.8818% | 219 |
| Retained earnings to average equity (ytd only) | 23.8818% | 96 |
| Net charge-offs to loans | 0.5167% | 2,168 |
| Credit loss provision to net charge-offs | 170.5409% | 2,514 |
| Earnings coverage of net charge-offs (x) | 4.2287% | 2,939 |
| Efficiency ratio | 52.6745% | 7,345 |
| Assets per employee ($millions) | 5.0271% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9852% | 488 |
| Loan loss allowance to noncurrent loans | 17.9577% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 14.4247% | 88 |
| Noncurrent loans to loans | 16.6233% | 72 |
| Net loans and leases to total assets | 81.5366% | 1,096 |
| Net loans and leases to deposits | 123.2533% | 227 |
| Net loans and leases to core deposits | 142.6952% | 978 |
| Total domestic deposits to total assets | 66.1537% | 7,723 |
| Equity capital to assets | 6.1528% | 7,968 |
| Core capital (leverage) ratio | 6.3376% | 7,931 |
| Tier 1 risk-based capital ratio | 8.9484% | 7,821 |
| Total risk-based capital ratio | 10.2266% | 7,837 |
| Memoranda: | ||
| Average total assets | $6,935,909,500 | 149 |
| Average earning assets | $6,547,272,500 | 144 |
| Average equity | $409,382,500 | 216 |
| Average total loans | $5,768,583,500 | 125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0373% | 5,380 |
| Cost of funding earning assets | 3.7216% | 249 |
| Net interest margin | 2.3158% | 7,901 |
| Noninterest income to average assets | 0.5309% | 4,389 |
| Noninterest expense to average assets | 1.9574% | 7,522 |
| Loan and lease loss provision to assets | 1.3811% | 1,006 |
| Net operating income to assets | -1.5325% | 7,478 |
| Return on assets (ROA) | -1.5888% | 7,447 |
| Pretax return on assets | -0.6714% | 6,791 |
| Return on Equity (ROE) | -22.4914% | 7,808 |
| Retained earnings to average equity (ytd only) | -23.3781% | 7,772 |
| Net charge-offs to loans | 0.5381% | 2,214 |
| Credit loss provision to net charge-offs | 330.0386% | 1,371 |
| Earnings coverage of net charge-offs (x) | 1.8306% | 5,159 |
| Efficiency ratio | 70.9647% | 4,140 |
| Assets per employee ($millions) | 7.3057% | 620 |
| Cash dividends to net income (ytd only)* | -3.9423% | 7,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9273% | 468 |
| Loan loss allowance to noncurrent loans | 20.2455% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 12.2959% | 103 |
| Noncurrent loans to loans | 14.4588% | 74 |
| Net loans and leases to total assets | 79.8934% | 1,688 |
| Net loans and leases to deposits | 124.6202% | 293 |
| Net loans and leases to core deposits | 145.3006% | 1,038 |
| Total domestic deposits to total assets | 64.1095% | 7,787 |
| Equity capital to assets | 5.6544% | 8,112 |
| Core capital (leverage) ratio | 5.8484% | 8,120 |
| Tier 1 risk-based capital ratio | 8.5066% | 7,988 |
| Total risk-based capital ratio | 9.7838% | 8,043 |
| Memoranda: | ||
| Average total assets | $7,182,892,000 | 143 |
| Average earning assets | $6,800,806,200 | 137 |
| Average equity | $507,394,400 | 188 |
| Average total loans | $5,586,202,000 | 128 |