Call reports 2004
BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO — 2004
What BANCO BILBAO VIZCAYA ARGENTARIA 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 | 5,289,263,000 | 5,376,890,000 | 5,488,704,000 | 5,541,779,000 |
| Total loans | 2,824,587,000 | 3,054,692,000 | 3,066,323,000 | 3,111,394,000 |
| Allowance for loan losses | 51,319,000 | 51,299,000 | 51,838,000 | 52,798,000 |
| Securities available for sale | 871,543,000 | 747,493,000 | 736,218,000 | 706,537,000 |
| Securities held to maturity | 1,028,693,000 | 1,086,530,000 | 852,086,000 | 781,603,000 |
| Trading assets | 4,779,000 | 3,166,000 | 4,447,000 | 4,757,000 |
| Total deposits | 2,536,722,000 | 2,609,027,000 | 2,674,519,000 | 2,554,424,000 |
| Interest-bearing deposits | 2,117,700,000 | 2,161,728,000 | 2,149,230,000 | 2,055,378,000 |
| Noninterest-bearing deposits | 419,022,000 | 447,299,000 | 525,289,000 | 499,046,000 |
| Equity capital | 470,656,000 | 454,556,000 | 468,916,000 | 475,389,000 |
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 | 58,729,000 | 118,584,000 | 180,668,000 | 245,303,000 |
| Interest expense | 18,020,000 | 35,756,000 | 54,468,000 | 75,568,000 |
| Net interest income | 40,709,000 | 82,828,000 | 126,200,000 | 169,735,000 |
| Noninterest income | 7,757,000 | 14,445,000 | 21,333,000 | 30,680,000 |
| Noninterest expense | 27,101,000 | 55,137,000 | 82,606,000 | 115,081,000 |
| Provision for loan losses | 6,249,000 | 14,948,000 | 21,286,000 | 30,636,000 |
| Pretax income | 15,116,000 | 27,188,000 | 43,641,000 | 54,698,000 |
| Income tax | 5,142,000 | 9,197,000 | 12,656,000 | 14,384,000 |
| Net income | 9,974,000 | 17,991,000 | 30,985,000 | 40,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,462,000 | 323,852,000 | 336,847,000 | 346,176,000 |
| Total capital | 427,203,000 | 416,347,000 | 430,850,000 | 440,606,000 |
| Risk-weighted assets | 3,329,762,000 | 3,390,792,000 | 3,512,429,000 | 3,546,066,000 |