Call reports 2004
BANCO SANTANDER PUERTO RICO — 2004
What BANCO SANTANDER PUERTO RICO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,323,176,000 | 7,881,046,000 | 7,876,499,000 | 8,258,362,000 |
| Total loans | 4,436,825,000 | 4,910,565,000 | 5,269,778,000 | 5,585,391,000 |
| Allowance for loan losses | 72,802,000 | 67,936,000 | 70,730,000 | 69,177,000 |
| Securities available for sale | 1,347,181,000 | 1,554,686,000 | 1,051,852,000 | 1,975,118,000 |
| Securities held to maturity | 814,605,000 | 814,646,000 | 810,913,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,151,168,000 | 4,382,361,000 | 4,533,977,000 | 4,768,249,000 |
| Interest-bearing deposits | 3,092,310,000 | 3,301,714,000 | 3,412,878,000 | 3,610,246,000 |
| Noninterest-bearing deposits | 1,058,858,000 | 1,080,647,000 | 1,121,099,000 | 1,158,003,000 |
| Equity capital | 519,636,000 | 500,899,000 | 533,229,000 | 564,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 85,501,000 | 171,202,000 | 263,297,000 | 358,586,000 |
| Interest expense | 31,505,000 | 63,656,000 | 99,709,000 | 138,984,000 |
| Net interest income | 53,996,000 | 107,546,000 | 163,588,000 | 219,602,000 |
| Noninterest income | 13,821,000 | 23,746,000 | 36,665,000 | 52,243,000 |
| Noninterest expense | 44,837,000 | 90,462,000 | 135,417,000 | 180,810,000 |
| Provision for loan losses | 8,750,000 | 14,750,000 | 21,770,000 | 26,270,000 |
| Pretax income | 23,833,000 | 35,782,000 | 55,390,000 | 77,127,000 |
| Income tax | 472,000 | -1,426,000 | -1,541,000 | 588,000 |
| Net income | 23,361,000 | 37,208,000 | 56,931,000 | 76,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 490,547,000 | 496,492,000 | 514,020,000 | 545,602,000 |
| Total capital | 550,371,000 | 559,712,000 | 578,016,000 | 612,444,000 |
| Risk-weighted assets | 4,772,957,000 | 5,052,899,000 | 5,112,055,000 | 5,343,785,000 |