Call reports 2005
BANCO SANTANDER PUERTO RICO — 2005
What BANCO SANTANDER PUERTO RICO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 8,335,185,000 | 8,297,224,000 | 8,484,318,000 | 8,082,156,000 |
| Total loans | 5,788,822,000 | 5,907,811,000 | 6,096,603,000 | 5,924,313,000 |
| Allowance for loan losses | 69,205,000 | 65,623,000 | 66,051,000 | 66,842,000 |
| Securities available for sale | 1,808,075,000 | 1,440,328,000 | 1,675,410,000 | 1,556,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,328,647,000 | 5,582,914,000 | 5,763,797,000 | 5,296,676,000 |
| Interest-bearing deposits | 4,139,021,000 | 4,307,753,000 | 4,621,874,000 | 4,159,966,000 |
| Noninterest-bearing deposits | 1,189,626,000 | 1,275,161,000 | 1,141,923,000 | 1,136,710,000 |
| Equity capital | 551,988,000 | 580,674,000 | 576,847,000 | 580,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 100,365,000 | 202,276,000 | 312,428,000 | 426,399,000 |
| Interest expense | 44,542,000 | 92,806,000 | 147,082,000 | 206,116,000 |
| Net interest income | 55,823,000 | 109,470,000 | 165,346,000 | 220,283,000 |
| Noninterest income | 16,264,000 | 34,286,000 | 47,073,000 | 64,719,000 |
| Noninterest expense | 53,343,000 | 97,896,000 | 143,098,000 | 189,695,000 |
| Provision for loan losses | 6,700,000 | 10,750,000 | 15,400,000 | 20,400,000 |
| Pretax income | 29,231,000 | 52,705,000 | 72,031,000 | 93,023,000 |
| Income tax | 5,405,000 | 11,686,000 | 15,236,000 | 21,913,000 |
| Net income | 23,826,000 | 41,019,000 | 56,795,000 | 71,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 542,432,000 | 565,732,000 | 569,244,000 | 572,104,000 |
| Total capital | 609,856,000 | 632,174,000 | 636,854,000 | 640,228,000 |
| Risk-weighted assets | 5,390,632,000 | 5,314,636,000 | 5,536,783,000 | 5,449,616,000 |