Call reports 2005
WESTERNBANK PUERTO RICO — 2005
What WESTERNBANK 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 | 14,945,675,000 | 15,191,806,000 | 15,646,760,000 | 16,039,232,000 |
| Total loans | 6,695,659,000 | 7,176,824,000 | 7,479,634,000 | 7,908,142,000 |
| Allowance for loan losses | 82,932,000 | 84,442,000 | 86,596,000 | 141,412,000 |
| Securities available for sale | 5,062,000 | 2,192,000 | 680,000 | 185,000 |
| Securities held to maturity | 6,892,575,000 | 6,849,360,000 | 6,931,544,000 | 7,018,555,000 |
| Trading assets | 5,015,000 | 11,835,000 | 10,282,000 | 9,967,000 |
| Total deposits | 7,056,173,000 | 7,481,397,000 | 7,850,500,000 | 8,325,618,000 |
| Interest-bearing deposits | 6,704,497,000 | 7,067,585,000 | 7,439,714,000 | 7,939,920,000 |
| Noninterest-bearing deposits | 351,676,000 | 413,812,000 | 410,786,000 | 385,698,000 |
| Equity capital | 1,062,434,000 | 1,097,779,000 | 1,115,655,000 | 1,079,083,000 |
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 | 178,778,000 | 374,819,000 | 581,860,000 | 798,781,000 |
| Interest expense | 99,782,000 | 216,460,000 | 343,697,000 | 486,266,000 |
| Net interest income | 78,996,000 | 158,359,000 | 238,163,000 | 312,515,000 |
| Noninterest income | 3,980,000 | 22,254,000 | 21,357,000 | 25,176,000 |
| Noninterest expense | 23,868,000 | 49,014,000 | 75,164,000 | 102,568,000 |
| Provision for loan losses | 6,000,000 | 11,000,000 | 17,000,000 | 80,006,000 |
| Pretax income | 53,231,000 | 120,879,000 | 167,766,000 | 155,566,000 |
| Income tax | 8,518,000 | 23,963,000 | 35,972,000 | 33,328,000 |
| Net income | 44,713,000 | 96,916,000 | 131,794,000 | 122,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,059,390,000 | 1,094,628,000 | 1,112,530,000 | 1,076,019,000 |
| Total capital | 1,142,322,000 | 1,179,070,000 | 1,199,126,000 | 1,197,988,000 |
| Risk-weighted assets | 8,398,258,000 | 8,967,852,000 | 9,285,988,000 | 9,738,106,000 |