Call reports 2019
BANESCO USA — 2019
What BANESCO USA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,315,632,000 | 1,378,766,000 | 1,835,703,000 | 1,719,023,000 |
| Total loans | 958,397,000 | 989,744,000 | 1,311,842,000 | 1,340,853,000 |
| Allowance for loan losses | 10,685,000 | 11,089,000 | 11,309,000 | 11,947,000 |
| Securities available for sale | 222,565,000 | 265,779,000 | 304,970,000 | 261,849,000 |
| Securities held to maturity | 5,697,000 | 561,000 | 556,000 | 547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,070,619,000 | 1,089,717,000 | 1,427,451,000 | 1,277,564,000 |
| Interest-bearing deposits | 694,238,000 | 720,826,000 | 734,800,000 | 856,210,000 |
| Noninterest-bearing deposits | 376,381,000 | 368,891,000 | 692,651,000 | 421,354,000 |
| Equity capital | 120,667,000 | 124,796,000 | 138,670,000 | 153,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 14,352,000 | 29,635,000 | 46,520,000 | 67,022,000 |
| Interest expense | 3,300,000 | 7,030,000 | 11,602,000 | 17,580,000 |
| Net interest income | 11,052,000 | 22,605,000 | 34,918,000 | 49,442,000 |
| Noninterest income | 2,049,000 | 3,966,000 | 19,390,000 | 24,538,000 |
| Noninterest expense | 10,270,000 | 21,143,000 | 35,643,000 | 58,309,000 |
| Provision for loan losses | -1,163,000 | -690,000 | -235,000 | 390,000 |
| Pretax income | 4,347,000 | 7,893,000 | 22,894,000 | 20,008,000 |
| Income tax | 1,222,000 | 2,287,000 | 2,821,000 | 1,879,000 |
| Net income | 3,125,000 | 5,606,000 | 20,073,000 | 18,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,546,000 | 125,027,000 | 137,622,000 | 153,585,000 |
| Total capital | 133,940,000 | 137,118,000 | 150,056,000 | 166,756,000 |
| Risk-weighted assets | 986,353,000 | 1,048,330,000 | 1,251,056,000 | 1,262,122,000 |