Home > Westernbank Puerto Rico > Performance and Condition Ratios
Westernbank 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 | 4.6500% | 6,412 |
| Cost of funding earning assets | 2.9021% | 59 |
| Net interest margin | 1.7480% | 7,787 |
| Noninterest income to average assets | 0.3380% | 5,438 |
| Noninterest expense to average assets | 2.0339% | 7,097 |
| Loan and lease loss provision to assets | 3.1622% | 311 |
| Net operating income to assets | -3.2080% | 7,658 |
| Return on assets (ROA) | -3.2091% | 7,655 |
| Pretax return on assets | -3.2191% | 7,618 |
| Return on Equity (ROE) | -86.4390% | 7,808 |
| Retained earnings to average equity (ytd only) | -86.4390% | 7,804 |
| Net charge-offs to loans | 10.4156% | 49 |
| Credit loss provision to net charge-offs | 39.5495% | 4,650 |
| Earnings coverage of net charge-offs (x) | -0.0070% | 5,028 |
| Efficiency ratio | 102.8230% | 758 |
| Assets per employee ($millions) | 7.4362% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3390% | 613 |
| Loan loss allowance to noncurrent loans | 18.0286% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 15.1933% | 133 |
| Noncurrent loans to loans | 18.5205% | 98 |
| Net loans and leases to total assets | 75.2233% | 1,693 |
| Net loans and leases to deposits | 96.4581% | 1,054 |
| Net loans and leases to core deposits | 343.1039% | 47 |
| Total domestic deposits to total assets | 77.9854% | 6,319 |
| Equity capital to assets | 3.4881% | 7,829 |
| Core capital (leverage) ratio | 3.4372% | 7,819 |
| Tier 1 risk-based capital ratio | 4.6264% | 7,822 |
| Total risk-based capital ratio | 5.9036% | 7,826 |
| Memoranda: | ||
| Average total assets | $11,131,564,500 | 97 |
| Average earning assets | $10,444,413,000 | 90 |
| Average equity | $413,272,000 | 206 |
| Average total loans | $8,545,112,500 | 81 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 6,762 |
| Cost of funding earning assets | 3.6908% | 22 |
| Net interest margin | 1.1874% | 7,906 |
| Noninterest income to average assets | -0.0272% | 7,744 |
| Noninterest expense to average assets | 2.1312% | 7,120 |
| Loan and lease loss provision to assets | 1.9232% | 1,149 |
| Net operating income to assets | -4.1388% | 7,627 |
| Return on assets (ROA) | -3.4669% | 7,504 |
| Pretax return on assets | -2.3551% | 7,090 |
| Return on Equity (ROE) | -57.0601% | 7,741 |
| Retained earnings to average equity (ytd only) | -57.6872% | 7,739 |
| Net charge-offs to loans | 1.5222% | 1,644 |
| Credit loss provision to net charge-offs | 198.7891% | 1,975 |
| Earnings coverage of net charge-offs (x) | -1.1410% | 6,909 |
| Efficiency ratio | 207.4462% | 125 |
| Assets per employee ($millions) | 7.8965% | 539 |
| Cash dividends to net income (ytd only)* | -1.0989% | 7,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7778% | 198 |
| Loan loss allowance to noncurrent loans | 28.7333% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 13.3278% | 189 |
| Noncurrent loans to loans | 16.6279% | 123 |
| Net loans and leases to total assets | 72.1492% | 2,721 |
| Net loans and leases to deposits | 95.9862% | 1,328 |
| Net loans and leases to core deposits | 101.3739% | 3,863 |
| Total domestic deposits to total assets | 75.1663% | 6,838 |
| Equity capital to assets | 3.9240% | 7,865 |
| Core capital (leverage) ratio | 3.6799% | 7,862 |
| Tier 1 risk-based capital ratio | 5.5437% | 7,839 |
| Total risk-based capital ratio | 6.8393% | 7,843 |
| Memoranda: | ||
| Average total assets | $13,914,168,000 | 78 |
| Average earning assets | $12,357,114,400 | 77 |
| Average equity | $845,410,000 | 125 |
| Average total loans | $8,843,020,800 | 79 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 6,992 |
| Cost of funding earning assets | 3.7785% | 23 |
| Net interest margin | 1.0786% | 8,012 |
| Noninterest income to average assets | 0.2295% | 6,580 |
| Noninterest expense to average assets | 1.3659% | 7,935 |
| Loan and lease loss provision to assets | 0.2969% | 4,592 |
| Net operating income to assets | -0.3242% | 6,233 |
| Return on assets (ROA) | 0.0625% | 5,610 |
| Pretax return on assets | 0.1216% | 5,480 |
| Return on Equity (ROE) | 0.9618% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.2133% | 5,109 |
| Net charge-offs to loans | 1.3350% | 1,534 |
| Credit loss provision to net charge-offs | 36.3705% | 6,460 |
| Earnings coverage of net charge-offs (x) | -0.2276% | 6,310 |
| Efficiency ratio | 115.7414% | 659 |
| Assets per employee ($millions) | 9.3986% | 320 |
| Cash dividends to net income (ytd only)* | 77.8185% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5757% | 990 |
| Loan loss allowance to noncurrent loans | 15.2241% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 11.8671% | 232 |
| Noncurrent loans to loans | 16.9184% | 103 |
| Net loans and leases to total assets | 63.2426% | 5,031 |
| Net loans and leases to deposits | 91.2903% | 2,348 |
| Net loans and leases to core deposits | 95.7851% | 4,831 |
| Total domestic deposits to total assets | 69.2763% | 7,475 |
| Equity capital to assets | 7.2634% | 7,449 |
| Core capital (leverage) ratio | 6.3223% | 7,726 |
| Tier 1 risk-based capital ratio | 9.9582% | 7,016 |
| Total risk-based capital ratio | 11.2243% | 6,962 |
| Memoranda: | ||
| Average total assets | $14,526,264,000 | 79 |
| Average earning assets | $12,802,563,750 | 78 |
| Average equity | $944,282,000 | 124 |
| Average total loans | $8,881,889,250 | 83 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 7,282 |
| Cost of funding earning assets | 3.9053% | 27 |
| Net interest margin | 0.8611% | 8,116 |
| Noninterest income to average assets | 0.2221% | 6,706 |
| Noninterest expense to average assets | 1.2900% | 8,059 |
| Loan and lease loss provision to assets | 0.2687% | 4,433 |
| Net operating income to assets | -0.4304% | 6,473 |
| Return on assets (ROA) | -0.0563% | 6,001 |
| Pretax return on assets | -0.0753% | 5,969 |
| Return on Equity (ROE) | -0.8982% | 6,060 |
| Retained earnings to average equity (ytd only) | -2.0352% | 5,753 |
| Net charge-offs to loans | 1.3724% | 1,365 |
| Credit loss provision to net charge-offs | 32.6262% | 5,998 |
| Earnings coverage of net charge-offs (x) | -0.3708% | 6,007 |
| Efficiency ratio | 131.0067% | 518 |
| Assets per employee ($millions) | 9.9025% | 271 |
| Cash dividends to net income (ytd only)* | -126.5759% | 8,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7149% | 739 |
| Loan loss allowance to noncurrent loans | 15.4707% | 7,355 |
| Noncurrent assets plus other real estate owned to assets | 11.5761% | 204 |
| Noncurrent loans to loans | 17.5484% | 82 |
| Net loans and leases to total assets | 60.1863% | 5,649 |
| Net loans and leases to deposits | 85.0202% | 3,725 |
| Net loans and leases to core deposits | 88.8306% | 5,651 |
| Total domestic deposits to total assets | 70.7906% | 7,392 |
| Equity capital to assets | 6.5012% | 7,819 |
| Core capital (leverage) ratio | 6.0175% | 7,922 |
| Tier 1 risk-based capital ratio | 9.3438% | 7,514 |
| Total risk-based capital ratio | 10.6113% | 7,482 |
| Memoranda: | ||
| Average total assets | $14,872,666,330 | 81 |
| Average earning assets | $13,171,549,330 | 81 |
| Average equity | $932,504,000 | 125 |
| Average total loans | $8,924,163,330 | 89 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 7,247 |
| Cost of funding earning assets | 4.0127% | 28 |
| Net interest margin | 0.8566% | 8,177 |
| Noninterest income to average assets | 0.2374% | 6,560 |
| Noninterest expense to average assets | 1.1490% | 8,128 |
| Loan and lease loss provision to assets | 0.2340% | 4,108 |
| Net operating income to assets | -0.2844% | 6,661 |
| Return on assets (ROA) | 0.0306% | 6,336 |
| Pretax return on assets | 0.0964% | 6,177 |
| Return on Equity (ROE) | 0.4966% | 6,278 |
| Retained earnings to average equity (ytd only) | -1.7769% | 6,053 |
| Net charge-offs to loans | 0.8779% | 1,490 |
| Credit loss provision to net charge-offs | 45.0774% | 4,750 |
| Earnings coverage of net charge-offs (x) | -0.3118% | 5,188 |
| Efficiency ratio | 116.3928% | 687 |
| Assets per employee ($millions) | 10.4275% | 238 |
| Cash dividends to net income (ytd only)* | 457.7720% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0371% | 463 |
| Loan loss allowance to noncurrent loans | 17.9047% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 10.7540% | 188 |
| Noncurrent loans to loans | 16.9625% | 67 |
| Net loans and leases to total assets | 57.5243% | 6,018 |
| Net loans and leases to deposits | 81.9308% | 4,296 |
| Net loans and leases to core deposits | 85.4643% | 5,953 |
| Total domestic deposits to total assets | 70.2109% | 7,408 |
| Equity capital to assets | 6.4146% | 7,902 |
| Core capital (leverage) ratio | 5.7348% | 8,049 |
| Tier 1 risk-based capital ratio | 9.2376% | 7,640 |
| Total risk-based capital ratio | 10.5090% | 7,600 |
| Memoranda: | ||
| Average total assets | $15,139,560,500 | 82 |
| Average earning assets | $13,251,140,500 | 81 |
| Average equity | $932,653,500 | 123 |
| Average total loans | $8,950,808,500 | 90 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2344% | 7,655 |
| Cost of funding earning assets | 4.2912% | 33 |
| Net interest margin | 0.9432% | 8,235 |
| Noninterest income to average assets | 0.3217% | 6,151 |
| Noninterest expense to average assets | 1.1355% | 8,182 |
| Loan and lease loss provision to assets | 0.4102% | 3,234 |
| Net operating income to assets | -0.0100% | 6,387 |
| Return on assets (ROA) | -0.0202% | 6,258 |
| Pretax return on assets | -0.3517% | 6,502 |
| Return on Equity (ROE) | -0.3591% | 6,277 |
| Retained earnings to average equity (ytd only) | -5.2474% | 6,550 |
| Net charge-offs to loans | 1.3361% | 881 |
| Credit loss provision to net charge-offs | 54.3802% | 6,302 |
| Earnings coverage of net charge-offs (x) | 0.0987% | 6,186 |
| Efficiency ratio | 93.8481% | 1,285 |
| Assets per employee ($millions) | 10.5341% | 222 |
| Cash dividends to net income (ytd only)* | -1,361.3506% | 8,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1453% | 384 |
| Loan loss allowance to noncurrent loans | 17.9309% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 11.0187% | 127 |
| Noncurrent loans to loans | 17.5411% | 53 |
| Net loans and leases to total assets | 57.0669% | 6,327 |
| Net loans and leases to deposits | 79.6582% | 5,107 |
| Net loans and leases to core deposits | 83.0799% | 6,376 |
| Total domestic deposits to total assets | 71.6397% | 7,070 |
| Equity capital to assets | 5.9089% | 8,076 |
| Core capital (leverage) ratio | 5.1867% | 8,192 |
| Tier 1 risk-based capital ratio | 8.8132% | 7,899 |
| Total risk-based capital ratio | 10.0854% | 7,927 |
| Memoranda: | ||
| Average total assets | $16,454,993,800 | 74 |
| Average earning assets | $15,495,982,600 | 71 |
| Average equity | $923,752,800 | 121 |
| Average total loans | $9,290,764,400 | 86 |