Call reports 2008
BANCO SANTANDER PUERTO RICO — 2008
What BANCO SANTANDER PUERTO RICO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 9,103,575,000 | 8,658,754,000 | 7,952,722,000 | 7,724,708,000 |
| Total loans | 7,057,415,000 | 6,777,679,000 | 6,423,494,000 | 6,160,487,000 |
| Allowance for loan losses | 79,365,000 | 82,842,000 | 97,494,000 | 97,863,000 |
| Securities available for sale | 1,068,266,000 | 1,125,381,000 | 765,171,000 | 801,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 117,553,000 | 65,348,000 | 67,310,000 | 191,781,000 |
| Total deposits | 5,598,107,000 | 6,045,625,000 | 5,662,207,000 | 5,066,530,000 |
| Interest-bearing deposits | 4,421,939,000 | 4,886,774,000 | 4,544,853,000 | 3,981,031,000 |
| Noninterest-bearing deposits | 1,176,168,000 | 1,158,851,000 | 1,117,354,000 | 1,085,499,000 |
| Equity capital | 623,143,000 | 612,480,000 | 599,333,000 | 614,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 125,702,000 | 248,572,000 | 366,406,000 | 479,166,000 |
| Interest expense | 64,660,000 | 124,012,000 | 176,898,000 | 226,302,000 |
| Net interest income | 61,042,000 | 124,560,000 | 189,508,000 | 252,864,000 |
| Noninterest income | 11,308,000 | 21,553,000 | 32,626,000 | 44,655,000 |
| Noninterest expense | 46,635,000 | 95,739,000 | 171,459,000 | 220,473,000 |
| Provision for loan losses | 22,675,000 | 47,575,000 | 80,075,000 | 119,088,000 |
| Pretax income | 14,575,000 | 14,505,000 | -15,366,000 | -27,988,000 |
| Income tax | 2,272,000 | 1,371,000 | -13,037,000 | -19,388,000 |
| Net income | 12,303,000 | 13,134,000 | -2,329,000 | -8,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 576,721,000 | 568,622,000 | 546,042,000 | 537,396,000 |
| Total capital | 653,581,000 | 641,156,000 | 612,763,000 | 660,723,000 |
| Risk-weighted assets | 6,144,449,000 | 5,790,574,000 | 5,305,210,000 | 5,145,126,000 |