Call reports 2004
WESTERNBANK PUERTO RICO — 2004
What WESTERNBANK 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 | 12,141,716,000 | 13,080,391,000 | 13,472,159,000 | 14,200,158,000 |
| Total loans | 5,023,974,000 | 5,471,327,000 | 5,795,273,000 | 6,022,962,000 |
| Allowance for loan losses | 66,659,000 | 72,407,000 | 76,588,000 | 80,066,000 |
| Securities available for sale | 42,603,000 | 122,949,000 | 12,226,000 | 7,881,000 |
| Securities held to maturity | 5,931,593,000 | 6,515,362,000 | 6,607,508,000 | 6,915,809,000 |
| Trading assets | 1,813,000 | 4,220,000 | 5,287,000 | 7,792,000 |
| Total deposits | 5,703,466,000 | 6,069,153,000 | 6,216,432,000 | 6,216,102,000 |
| Interest-bearing deposits | 5,370,919,000 | 5,698,708,000 | 5,885,430,000 | 5,873,318,000 |
| Noninterest-bearing deposits | 332,547,000 | 370,445,000 | 331,002,000 | 342,784,000 |
| Equity capital | 849,183,000 | 877,267,000 | 909,608,000 | 943,320,000 |
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 | 135,513,000 | 277,733,000 | 430,586,000 | 596,320,000 |
| Interest expense | 63,032,000 | 129,321,000 | 203,672,000 | 291,213,000 |
| Net interest income | 72,481,000 | 148,412,000 | 226,914,000 | 305,107,000 |
| Noninterest income | 5,036,000 | 9,902,000 | 15,598,000 | 21,501,000 |
| Noninterest expense | 22,832,000 | 47,181,000 | 72,007,000 | 97,325,000 |
| Provision for loan losses | 8,941,000 | 19,762,000 | 30,141,000 | 36,691,000 |
| Pretax income | 45,744,000 | 91,430,000 | 141,018,000 | 194,411,000 |
| Income tax | 4,905,000 | 9,304,000 | 14,492,000 | 21,434,000 |
| Net income | 40,839,000 | 82,126,000 | 126,526,000 | 172,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 846,674,000 | 875,399,000 | 907,276,000 | 940,230,000 |
| Total capital | 913,333,000 | 947,806,000 | 983,864,000 | 1,020,296,000 |
| Risk-weighted assets | 6,232,047,000 | 7,043,497,000 | 7,038,110,000 | 7,349,959,000 |