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Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
R-G Premier Bank of Puerto Rico, member of holding company R&G; FINANCIAL CORPORATION
as of March-2010
280 JESUS T. PINERO AVENUE HATO REY, PR, 919
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

March
2010


F
24.7
-0.21
80.2%
0

Fail
5.1%
6.3%
3.9%


CCC
CCC
1,229.7
99.41
12.50
4.6


$1,187,395
-13.15%
$220,598
0.2:1
$87,592
1.55%
0.07:1


$5,681,177
$5,155,454

$266,946

$35,321
$5,391,642
2.62%
2.53%

$4,220,108
$2,054,182
$0
$1,547,625
$997,600

17.56%
48.68%
80.96%

$158,490
$128,168
1.24:1
$94,692

$158,490
$349,967
$359
$1,740
$0
$1,156,909
$0
$66,010
$1,733,116
30.51%
30.50%
$1,158,649

$184,814
14,899

December
2009


F
21.4
-0.02
97.1%
0

Warn
7.8%
9.1%
5.7%


BB
B
213.5
97.69
12.20
6.0


$396,162
-33.28%
$344,565
0.9:1
$123,726
2.05%
0.31:1


$6,061,232
$5,432,069

$413,204

$154,066
$5,782,950
2.66%
2.48%

$4,252,763
$2,107,059
$0
$1,645,711
$1,083,600

17.88%
49.55%
79.79%

$115,969
$85,173
1.36:1
$139,793

$115,969
$287,161
$631
$2,957
$0
$1,203,642
$1,236
$54,143
$1,663,872
27.45%
27.43%
$1,206,599

$189,840
21,121

September
2009


F
21.3
-0.01
107.6%
0

Adequate
9.3%
10.5%
6.4%


BB
BB
185.9
97.49
12.06
6.4


$407,771
-26.04%
$407,382
1.0:1
$263,538
4.14%
0.65:1


$6,398,964
$5,584,886

$524,027

$116,052
$6,029,954
2.57%
2.44%

$4,276,285
$2,161,126
$0
$1,349,600
$1,224,600

19.14%
50.54%
74.00%

$77,883
$39,035
2.00:1
$131,017

$77,883
$232,888
$947
$2,702
$0
$1,106,086
$346
$50,436
$1,469,995
22.97%
22.96%
$1,108,788

$260,107
17,812

June
2009


F
21.7
-0.01
137.1%
0

Adequate
9.0%
10.3%
6.2%


BB
B
267.1
98.57
11.59
6.5


$417,996
-25.35%
$402,814
1.0:1
$275,915
4.26%
0.66:1


$6,515,565
$5,691,825

$537,183

$79,439
$6,157,249
2.58%
2.47%

$4,535,783
$2,366,088
$0
$1,666,849
$1,073,600

16.48%
52.16%
78.37%

$76,003
$36,930
2.06:1
$115,000

$76,003
$316,481
$0
$2,354
$0
$820,859
$0
$36,954
$1,252,651
19.23%
19.23%
$823,213

$204,390
22,476

March
2009


B
1.7
2.34
74.4%
0

Adequate
9.6%
10.9%
6.7%


BB
BBB
54.1
89.49
11.38
7.2


$249,097
2.71%
$466,113
1.9:1
$320,057
4.61%
1.28:1


$6,975,845
$5,800,359

$761,897

$40,050
$6,495,777
2.47%
2.43%

$4,566,050
$2,359,285
$0
$2,028,678
$1,153,600

16.54%
51.67%
79.44%

$7,851
$18,696
0.42:1
$150,594

$7,851
$379,792
$0
$2,314
$0
$745,520
$0
$34,266
$1,169,743
16.77%
16.77%
$747,834

$229,021
23,053

December
2008


C
2.1
1.77
70.6%
0

Adequate
9.9%
11.2%
6.9%


BB
BBB
56.6
91.95
11.02
8.2


$296,335
14.18%
$485,269
1.6:1
$325,439
4.63%
1.10:1


$7,059,832
$5,752,262

$1,009,133

$158,655
$6,665,774
2.38%
2.33%

$4,466,747
$2,246,372
$0
$2,124,194
$1,152,600

16.33%
50.29%
78.23%

$32,572
$69,429
0.47:1
$133,752

$32,572
$297,382
$0
$2,918
$0
$605,604
$0
$31,221
$969,697
13.74%
13.74%
$608,522

$358,271
15,282

September
2008


F
20.7
-0.00
74.9%
0

Adequate
10.7%
12.0%
7.4%


BBB
BBB
41.1
89.86
10.79
9.2


$331,932
12.17%
$532,613
1.6:1
$357,737
5.00%
1.08:1


$7,193,424
$5,760,552

$1,084,587

$115,747
$6,767,813
2.28%
2.25%

$4,365,117
$2,056,808
$0
$2,340,553
$1,218,600

16.94%
47.12%
78.07%

$17,764
$52,833
0.34:1
$110,025

$17,764
$336,773
$0
$3,047
$0
$484,001
$0
$29,838
$871,423
12.11%
12.11%
$487,048

$366,593
16,243

June
2008


F
20.7
-0.00
76.8%
0

Adequate
10.8%
12.1%
7.7%


BBB
BBB
35.5
87.29
10.39
16.3


$312,301
9.41%
$553,231
1.8:1
$350,891
4.90%
1.12:1


$7,189,182
$5,635,613

$1,253,195

$75,957
$6,828,729
2.22%
2.21%

$4,399,248
$1,893,694
$0
$2,471,857
$1,076,100

14.97%
43.05%
75.69%

$9,994
$33,459
0.30:1
$89,818

$9,994
$308,193
$0
$2,897
$0
$372,189
$0
$26,017
$719,290
10.01%
10.01%
$375,086

$198,736
31,063

March
2008


F
20.7
-0.00
70.7%
0

Adequate
11.1%
12.4%
7.6%


BBB
BBB
38.5
85.97
10.13
13.4


$319,851
4.74%
$542,150
1.7:1
$359,823
5.05%
1.12:1


$7,165,822
$5,445,026

$1,418,805

$37,435
$6,824,180
2.19%
2.16%

$4,356,366
$1,819,591
$0
$2,775,667
$924,500

12.90%
41.77%
77.03%

$5,237
$24,323
0.22:1
$84,904

$5,237
$282,152
$0
$2,995
$0
$253,671
$0
$24,183
$568,238
7.93%
7.93%
$256,666

$205,310
29,386

December
2007


A
1.1
4.45
73.1%
0

Adequate
11.1%
12.4%
7.3%


BBB
A
28.4
88.04
10.14
15.0


$336,456
28.51%
$538,204
1.6:1
$344,182
4.67%
1.02:1


$7,411,365
$5,362,699

$1,676,808

$155,729
$7,013,761
2.22%
2.11%

$4,530,849
$1,937,015
$0
$2,974,114
$712,500

9.61%
42.75%
75.88%

$15,251
$24,185
0.63:1
$64,093

$15,251
$154,629
$0
$2,960
$0
$210,154
$0
$22,326
$405,320
5.47%
5.47%
$213,114

$229,065
26,137

September
2007


A
1.0
6.05
76.5%
0

Adequate
10.2%
11.3%
6.4%


BBB
A
26.6
87.23
9.88
16.1


$387,231
19.45%
$495,420
1.3:1
$285,887
3.71%
0.74:1


$7,767,033
$5,360,144

$1,974,219

$118,159
$7,328,025
2.15%
2.11%

$4,617,893
$1,986,649
$0
$4,537,201
$884,500

11.39%
43.02%
95.38%

$10,702
$8,900
1.20:1
$52,900

$10,702
$105,765
$0
$2,496
$0
$181,558
$0
$17,619
$318,140
4.10%
4.10%
$184,054

$235,056
23,327

June
2007


A
1.0
6.69
77.7%
0

Adequate
9.9%
11.0%
6.2%


BBB
A
23.9
86.22
9.88
16.2


$417,596
13.58%
$488,483
1.2:1
$263,579
3.35%
0.63:1


$7,916,585
$5,241,916

$2,153,537

$79,922
$7,495,985
2.13%
2.13%

$4,651,092
$1,951,024
$0
$4,669,569
$871,000

11.00%
41.95%
94.63%

$6,262
$7,100
0.88:1
$55,036

$6,262
$94,464
$0
$1,295
$0
$153,240
$0
$14,934
$270,195
3.41%
3.41%
$154,535

$256,606
21,181

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300