Call reports 2005
BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO — 2005
What BANCO BILBAO VIZCAYA ARGENTARIA 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 | 5,930,955,000 | 6,102,312,000 | 6,647,689,000 | 7,043,254,000 |
| Total loans | 3,213,474,000 | 3,472,900,000 | 3,585,789,000 | 3,680,202,000 |
| Allowance for loan losses | 52,496,000 | 53,138,000 | 53,206,000 | 53,093,000 |
| Securities available for sale | 965,901,000 | 1,405,592,000 | 1,888,028,000 | 1,979,483,000 |
| Securities held to maturity | 613,005,000 | 568,437,000 | 399,698,000 | 356,129,000 |
| Trading assets | 5,708,000 | 10,446,000 | 6,673,000 | 5,371,000 |
| Total deposits | 2,771,032,000 | 2,770,066,000 | 2,893,218,000 | 3,046,935,000 |
| Interest-bearing deposits | 2,268,212,000 | 2,319,713,000 | 2,420,455,000 | 2,579,457,000 |
| Noninterest-bearing deposits | 502,820,000 | 450,353,000 | 472,763,000 | 467,478,000 |
| Equity capital | 485,363,000 | 478,782,000 | 485,987,000 | 486,665,000 |
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 | 68,552,000 | 144,725,000 | 229,057,000 | 322,297,000 |
| Interest expense | 24,985,000 | 55,315,000 | 94,507,000 | 143,063,000 |
| Net interest income | 43,567,000 | 89,410,000 | 134,550,000 | 179,234,000 |
| Noninterest income | 8,300,000 | 16,202,000 | 24,145,000 | 20,534,000 |
| Noninterest expense | 29,724,000 | 59,249,000 | 90,065,000 | 121,721,000 |
| Provision for loan losses | 6,000,000 | 12,250,000 | 18,750,000 | 25,283,000 |
| Pretax income | 12,091,000 | 30,061,000 | 45,828,000 | 48,713,000 |
| Income tax | 3,627,000 | 9,018,000 | 13,184,000 | 12,329,000 |
| Net income | 8,464,000 | 21,043,000 | 32,644,000 | 36,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 355,334,000 | 347,758,000 | 359,357,000 | 363,098,000 |
| Total capital | 450,813,000 | 446,006,000 | 460,499,000 | 465,968,000 |
| Risk-weighted assets | 3,631,272,000 | 3,854,957,000 | 4,089,305,000 | 4,229,405,000 |