Call reports 2007
R-G PREMIER BANK OF PUERTO RICO — 2007
What R-G PREMIER BANK OF 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 | 7,918,541,000 | 7,917,842,000 | 7,767,465,000 | 7,364,202,000 |
| Total loans | 5,092,766,000 | 5,242,397,000 | 5,360,144,000 | 5,356,785,000 |
| Allowance for loan losses | 54,412,000 | 55,036,000 | 52,900,000 | 98,768,000 |
| Securities available for sale | 2,252,980,000 | 2,095,484,000 | 1,933,925,000 | 1,674,017,000 |
| Securities held to maturity | 57,518,000 | 58,053,000 | 40,294,000 | 0 |
| Trading assets | 998,000 | 1,235,000 | 897,000 | 11,312,000 |
| Total deposits | 4,526,167,000 | 4,651,092,000 | 4,617,893,000 | 4,521,316,000 |
| Interest-bearing deposits | 4,126,121,000 | 4,267,820,000 | 4,249,841,000 | 4,151,522,000 |
| Noninterest-bearing deposits | 400,046,000 | 383,272,000 | 368,052,000 | 369,794,000 |
| Equity capital | 441,688,000 | 436,930,000 | 460,720,000 | 517,568,000 |
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 | 118,437,000 | 237,916,000 | 359,505,000 | 486,416,000 |
| Interest expense | 77,748,000 | 157,994,000 | 241,346,000 | 331,893,000 |
| Net interest income | 40,689,000 | 79,922,000 | 118,159,000 | 154,523,000 |
| Noninterest income | 1,284,000 | 5,649,000 | 18,311,000 | 22,299,000 |
| Noninterest expense | 31,268,000 | 65,993,000 | 103,607,000 | 152,053,000 |
| Provision for loan losses | 3,900,000 | 7,100,000 | 8,900,000 | 53,518,000 |
| Pretax income | 6,805,000 | 12,478,000 | 23,963,000 | -28,698,000 |
| Income tax | -796,000 | -2,144,000 | 3,059,000 | -24,974,000 |
| Net income | 7,601,000 | 14,622,000 | 20,904,000 | -3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 479,537,000 | 488,483,000 | 495,420,000 | 494,402,000 |
| Total capital | 533,949,000 | 543,519,000 | 548,320,000 | 555,824,000 |
| Risk-weighted assets | 4,837,290,000 | 4,940,111,000 | 4,890,155,000 | 4,876,413,000 |