Call reports 2003
BANCO SANTANDER PUERTO RICO — 2003
What BANCO SANTANDER PUERTO RICO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 6,781,201,000 | 6,567,647,000 | 7,124,727,000 | 7,284,382,000 |
| Total loans | 4,093,675,000 | 4,023,331,000 | 4,064,597,000 | 4,214,767,000 |
| Allowance for loan losses | 58,967,000 | 61,985,000 | 64,424,000 | 70,572,000 |
| Securities available for sale | 964,660,000 | 1,064,435,000 | 1,677,482,000 | 1,664,311,000 |
| Securities held to maturity | 885,574,000 | 868,836,000 | 855,411,000 | 815,111,000 |
| Trading assets | 433,000 | 366,000 | 299,000 | 239,000 |
| Total deposits | 4,070,073,000 | 3,812,385,000 | 3,715,937,000 | 4,115,534,000 |
| Interest-bearing deposits | 3,129,819,000 | 2,783,442,000 | 2,724,794,000 | 3,098,533,000 |
| Noninterest-bearing deposits | 940,254,000 | 1,028,943,000 | 991,143,000 | 1,017,001,000 |
| Equity capital | 564,726,000 | 557,927,000 | 563,323,000 | 489,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 78,633,000 | 157,553,000 | 238,762,000 | 324,427,000 |
| Interest expense | 35,147,000 | 67,945,000 | 100,348,000 | 131,684,000 |
| Net interest income | 43,486,000 | 89,608,000 | 138,414,000 | 192,743,000 |
| Noninterest income | 11,895,000 | 27,372,000 | 42,802,000 | 56,742,000 |
| Noninterest expense | 46,138,000 | 93,665,000 | 140,882,000 | 189,044,000 |
| Provision for loan losses | 12,065,000 | 25,780,000 | 34,745,000 | 49,745,000 |
| Pretax income | 2,018,000 | 8,026,000 | 16,215,000 | 22,375,000 |
| Income tax | -955,000 | -114,000 | -17,000 | -7,126,000 |
| Net income | 2,973,000 | 8,140,000 | 16,232,000 | 29,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 547,586,000 | 541,168,000 | 537,969,000 | 464,364,000 |
| Total capital | 603,378,000 | 596,834,000 | 594,483,000 | 524,697,000 |
| Risk-weighted assets | 4,460,197,000 | 4,446,993,000 | 4,513,223,000 | 4,816,079,000 |