Call reports 2006
WESTERNBANK PUERTO RICO — 2006
What WESTERNBANK PUERTO RICO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 16,596,966,000 | 16,532,753,000 | 16,683,434,000 | 16,999,476,000 |
| Total loans | 8,117,518,000 | 8,284,353,000 | 8,568,389,000 | 8,767,736,000 |
| Allowance for loan losses | 145,894,000 | 157,546,000 | 190,555,000 | 202,179,000 |
| Securities available for sale | 0 | 20,835,000 | 18,107,000 | 18,050,000 |
| Securities held to maturity | 7,345,881,000 | 6,924,403,000 | 6,956,138,000 | 6,952,105,000 |
| Trading assets | 11,443,000 | 8,619,000 | 14,518,000 | 18,655,000 |
| Total deposits | 8,866,093,000 | 8,761,294,000 | 8,931,095,000 | 9,238,856,000 |
| Interest-bearing deposits | 8,497,018,000 | 8,368,311,000 | 8,534,705,000 | 8,795,773,000 |
| Noninterest-bearing deposits | 369,075,000 | 392,983,000 | 396,390,000 | 443,083,000 |
| Equity capital | 1,093,261,000 | 1,093,397,000 | 1,075,969,000 | 1,070,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 230,126,000 | 472,307,000 | 729,127,000 | 996,063,000 |
| Interest expense | 153,003,000 | 320,713,000 | 499,097,000 | 684,130,000 |
| Net interest income | 77,123,000 | 151,594,000 | 230,030,000 | 311,933,000 |
| Noninterest income | 6,576,000 | 12,097,000 | 19,163,000 | 26,693,000 |
| Noninterest expense | 28,274,000 | 57,413,000 | 87,796,000 | 118,976,000 |
| Provision for loan losses | 7,606,000 | 25,328,000 | 63,147,000 | 90,880,000 |
| Pretax income | 47,987,000 | 80,421,000 | 97,916,000 | 128,588,000 |
| Income tax | 16,788,000 | 32,260,000 | 50,310,000 | 69,546,000 |
| Net income | 31,199,000 | 48,161,000 | 47,606,000 | 59,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,090,199,000 | 1,090,142,000 | 1,072,558,000 | 1,066,960,000 |
| Total capital | 1,216,395,000 | 1,218,323,000 | 1,205,167,000 | 1,201,722,000 |
| Risk-weighted assets | 10,075,958,000 | 10,225,139,000 | 10,550,740,000 | 10,713,418,000 |