Call reports 2007
WESTERNBANK PUERTO RICO — 2007
What WESTERNBANK PUERTO RICO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 17,375,487,000 | 17,752,804,000 | 17,963,012,000 | 17,864,793,000 |
| Total loans | 9,058,730,000 | 9,249,386,000 | 9,396,739,000 | 9,555,131,000 |
| Allowance for loan losses | 230,702,000 | 283,842,000 | 219,231,000 | 338,720,000 |
| Securities available for sale | 18,099,000 | 506,392,000 | 488,410,000 | 477,096,000 |
| Securities held to maturity | 7,217,719,000 | 7,025,991,000 | 6,847,750,000 | 6,542,721,000 |
| Trading assets | 19,871,000 | 18,451,000 | 25,247,000 | 29,492,000 |
| Total deposits | 9,854,986,000 | 9,836,065,000 | 10,222,370,000 | 10,376,425,000 |
| Interest-bearing deposits | 9,464,093,000 | 9,426,497,000 | 9,813,498,000 | 9,908,655,000 |
| Noninterest-bearing deposits | 390,893,000 | 409,568,000 | 408,872,000 | 467,770,000 |
| Equity capital | 1,054,875,000 | 1,014,227,000 | 1,003,825,000 | 976,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 265,669,000 | 538,889,000 | 810,994,000 | 1,076,432,000 |
| Interest expense | 186,142,000 | 383,742,000 | 587,256,000 | 787,966,000 |
| Net interest income | 79,527,000 | 155,147,000 | 223,738,000 | 288,466,000 |
| Noninterest income | 8,137,000 | 15,929,000 | 26,258,000 | 35,434,000 |
| Noninterest expense | 33,950,000 | 68,314,000 | 111,651,000 | 157,902,000 |
| Provision for loan losses | 34,481,000 | 107,886,000 | 129,588,000 | 277,562,000 |
| Pretax income | 19,547,000 | -4,481,000 | 9,669,000 | -110,524,000 |
| Income tax | 7,293,000 | 3,562,000 | 8,167,000 | -40,896,000 |
| Net income | 12,254,000 | -8,043,000 | 1,502,000 | -69,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,051,576,000 | 1,014,202,000 | 1,006,680,000 | 864,605,000 |
| Total capital | 1,190,606,000 | 1,156,592,000 | 1,149,738,000 | 1,008,820,000 |
| Risk-weighted assets | 11,030,764,000 | 11,249,732,000 | 11,390,849,000 | 11,356,295,000 |