Call reports 2020
BANESCO USA — 2020
What BANESCO USA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,804,910,000 | 2,022,397,000 | 1,989,138,000 | 1,935,737,000 |
| Total loans | 1,359,695,000 | 1,440,455,000 | 1,406,955,000 | 1,432,898,000 |
| Allowance for loan losses | 14,007,000 | 17,560,000 | 26,159,000 | 23,370,000 |
| Securities available for sale | 310,920,000 | 424,411,000 | 466,403,000 | 334,789,000 |
| Securities held to maturity | 536,000 | 532,000 | 527,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,249,306,000 | 1,420,540,000 | 1,313,328,000 | 1,311,147,000 |
| Interest-bearing deposits | 805,080,000 | 907,795,000 | 798,888,000 | 768,591,000 |
| Noninterest-bearing deposits | 444,226,000 | 512,745,000 | 514,440,000 | 542,556,000 |
| Equity capital | 162,003,000 | 162,815,000 | 162,026,000 | 168,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 19,287,000 | 38,300,000 | 57,709,000 | 76,065,000 |
| Interest expense | 4,934,000 | 8,400,000 | 11,208,000 | 13,427,000 |
| Net interest income | 14,353,000 | 29,900,000 | 46,501,000 | 62,638,000 |
| Noninterest income | 3,085,000 | 5,187,000 | 8,603,000 | 11,598,000 |
| Noninterest expense | 13,545,000 | 27,690,000 | 40,365,000 | 51,972,000 |
| Provision for loan losses | 2,057,000 | 5,856,000 | 14,501,000 | 16,608,000 |
| Pretax income | 2,932,000 | 7,335,000 | 7,940,000 | 14,597,000 |
| Income tax | 855,000 | 2,083,000 | 1,288,000 | 1,987,000 |
| Net income | 2,077,000 | 5,252,000 | 6,652,000 | 12,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,737,000 | 158,930,000 | 159,196,000 | 165,592,000 |
| Total capital | 170,779,000 | 175,648,000 | 175,828,000 | 197,305,000 |
| Risk-weighted assets | 1,302,708,000 | 1,334,991,000 | 1,319,492,000 | 1,355,059,000 |