Call reports 2003
WESTERNBANK PUERTO RICO — 2003
What WESTERNBANK 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 | 8,833,270,000 | 9,439,603,000 | 10,806,545,000 | 11,515,958,000 |
| Total loans | 4,028,282,000 | 4,315,612,000 | 4,598,724,000 | 4,747,281,000 |
| Allowance for loan losses | 51,454,000 | 55,090,000 | 59,141,000 | 61,607,000 |
| Securities available for sale | 97,940,000 | 101,197,000 | 81,841,000 | 55,080,000 |
| Securities held to maturity | 4,044,550,000 | 4,155,142,000 | 5,295,364,000 | 5,718,141,000 |
| Trading assets | 0 | 0 | 2,633,000 | 2,821,000 |
| Total deposits | 4,522,549,000 | 4,869,034,000 | 4,989,510,000 | 5,376,526,000 |
| Interest-bearing deposits | 4,250,436,000 | 4,657,025,000 | 4,697,235,000 | 5,104,236,000 |
| Noninterest-bearing deposits | 272,113,000 | 212,009,000 | 292,275,000 | 272,290,000 |
| Equity capital | 573,296,000 | 648,055,000 | 788,995,000 | 820,282,000 |
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 | 103,843,000 | 215,313,000 | 332,953,000 | 465,926,000 |
| Interest expense | 53,990,000 | 108,501,000 | 161,751,000 | 221,926,000 |
| Net interest income | 49,853,000 | 106,812,000 | 171,202,000 | 244,000,000 |
| Noninterest income | 6,580,000 | 12,719,000 | 17,121,000 | 22,726,000 |
| Noninterest expense | 18,665,000 | 37,964,000 | 59,322,000 | 82,623,000 |
| Provision for loan losses | 6,229,000 | 12,825,000 | 20,718,000 | 27,048,000 |
| Pretax income | 15,838,000 | 45,947,000 | 85,488,000 | 133,683,000 |
| Income tax | 877,000 | 5,282,000 | 10,211,000 | 20,041,000 |
| Net income | 14,961,000 | 40,665,000 | 75,277,000 | 113,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 574,655,000 | 646,050,000 | 787,636,000 | 818,393,000 |
| Total capital | 626,109,000 | 701,140,000 | 846,777,000 | 880,000,000 |
| Risk-weighted assets | 4,800,556,000 | 5,159,466,000 | 5,798,606,000 | 5,774,729,000 |