Call reports 2003
BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO — 2003
What BANCO BILBAO VIZCAYA ARGENTARIA 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 | 5,141,990,000 | 5,355,682,000 | 5,210,562,000 | 5,237,310,000 |
| Total loans | 2,772,767,000 | 2,806,410,000 | 2,760,843,000 | 2,787,278,000 |
| Allowance for loan losses | 51,752,000 | 53,184,000 | 49,934,000 | 48,108,000 |
| Securities available for sale | 963,565,000 | 1,237,424,000 | 959,945,000 | 970,474,000 |
| Securities held to maturity | 926,436,000 | 848,886,000 | 782,869,000 | 885,534,000 |
| Trading assets | 2,726,000 | 3,680,000 | 2,833,000 | 3,757,000 |
| Total deposits | 2,755,019,000 | 2,648,844,000 | 2,602,532,000 | 2,685,667,000 |
| Interest-bearing deposits | 2,332,756,000 | 2,203,883,000 | 2,167,225,000 | 2,238,527,000 |
| Noninterest-bearing deposits | 422,263,000 | 444,961,000 | 435,307,000 | 447,140,000 |
| Equity capital | 454,086,000 | 445,815,000 | 449,256,000 | 455,403,000 |
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 | 63,698,000 | 125,276,000 | 186,483,000 | 245,563,000 |
| Interest expense | 21,501,000 | 42,402,000 | 62,058,000 | 80,742,000 |
| Net interest income | 42,197,000 | 82,874,000 | 124,425,000 | 164,821,000 |
| Noninterest income | 6,903,000 | 14,458,000 | 20,754,000 | 27,211,000 |
| Noninterest expense | 28,372,000 | 55,419,000 | 81,839,000 | 110,360,000 |
| Provision for loan losses | 6,600,000 | 12,600,000 | 17,600,000 | 23,600,000 |
| Pretax income | 14,128,000 | 29,313,000 | 43,634,000 | 55,966,000 |
| Income tax | 2,840,000 | 7,337,000 | 12,538,000 | 17,188,000 |
| Net income | 11,288,000 | 22,449,000 | 31,569,000 | 39,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 318,440,000 | 310,233,000 | 319,352,000 | 327,644,000 |
| Total capital | 409,008,000 | 401,903,000 | 409,799,000 | 418,782,000 |
| Risk-weighted assets | 3,234,240,000 | 3,322,187,000 | 3,226,288,000 | 3,284,069,000 |
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