Home > The Bank and Trust of Puerto Rico > Income and Expense
The Bank and Trust of Puerto Rico, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,540,000 | 825 |
| Total interest expense | $4,235,000 | 486 |
| Net interest income | $4,305,000 | 1,142 |
| Provision for loan and lease losses | $820,000 | 358 |
| Total noninterest income | $673,000 | 1,715 |
| Gross Fiduciary activities income | $285,000 | 361 |
| Service charges on deposit accounts | $238,000 | 1,794 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $150,000 | 2,948 |
| Total noninterest expense | $3,826,000 | 1,060 |
| Salaries and employee benefits | $1,481,000 | 1,502 |
| Premises and equipment expense | $828,000 | 719 |
| Additional noninterest expense | $1,517,000 | 809 |
| Pre-tax net operating income | $332,000 | 4,577 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-453,000 | 9,094 |
| Income before extraordinary items | $785,000 | 1,984 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $785,000 | 1,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 471 |
| Cash dividends | $391,000 | 1,466 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 179 |
| Net operating income | $785,000 | 1,903 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $40,378,000 | 692 |
| Total interest expense | $22,451,000 | 413 |
| Net interest income | $17,927,000 | 1,074 |
| Provision for loan and lease losses | $9,020,000 | 215 |
| Total noninterest income | $5,515,000 | 1,051 |
| Gross Fiduciary activities income | $1,028,000 | 377 |
| Service charges on deposit accounts | $1,163,000 | 1,476 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,324,000 | 1,011 |
| Total noninterest expense | $17,572,000 | 919 |
| Salaries and employee benefits | $7,374,000 | 1,156 |
| Premises and equipment expense | $3,735,000 | 607 |
| Additional noninterest expense | $6,463,000 | 799 |
| Pre-tax net operating income | $-3,150,000 | 9,116 |
| Securities gains (losses) | $1,491,000 | 366 |
| Applicable income taxes | $7,665,000 | 449 |
| Income before extraordinary items | $-9,324,000 | 9,169 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-9,324,000 | 9,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,153,000 | 320 |
| Cash dividends | $1,564,000 | 1,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-10,815,000 | 9,158 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $30,820,000 | 697 |
| Total interest expense | $17,645,000 | 416 |
| Net interest income | $13,175,000 | 1,114 |
| Provision for loan and lease losses | $2,816,000 | 411 |
| Total noninterest income | $4,785,000 | 960 |
| Gross Fiduciary activities income | $751,000 | 393 |
| Service charges on deposit accounts | $880,000 | 1,489 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,154,000 | 899 |
| Total noninterest expense | $12,415,000 | 997 |
| Salaries and employee benefits | $5,464,000 | 1,173 |
| Premises and equipment expense | $2,817,000 | 620 |
| Additional noninterest expense | $4,134,000 | 935 |
| Pre-tax net operating income | $2,729,000 | 2,204 |
| Securities gains (losses) | $1,491,000 | 341 |
| Applicable income taxes | $1,397,000 | 1,422 |
| Income before extraordinary items | $2,823,000 | 1,707 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,823,000 | 1,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,350,000 | 384 |
| Cash dividends | $1,972,000 | 1,027 |
| Sale, conversion, retirement of capital stock, net | $800,000 | 334 |
| Net operating income | $1,824,030 | 2,398 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $20,481,000 | 705 |
| Total interest expense | $12,099,000 | 421 |
| Net interest income | $8,382,000 | 1,170 |
| Provision for loan and lease losses | $687,000 | 894 |
| Total noninterest income | $4,282,000 | 760 |
| Gross Fiduciary activities income | $489,000 | 399 |
| Service charges on deposit accounts | $592,000 | 1,440 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,201,000 | 646 |
| Total noninterest expense | $8,240,000 | 999 |
| Salaries and employee benefits | $3,781,000 | 1,125 |
| Premises and equipment expense | $1,920,000 | 605 |
| Additional noninterest expense | $2,539,000 | 995 |
| Pre-tax net operating income | $3,737,000 | 1,148 |
| Securities gains (losses) | $1,491,000 | 277 |
| Applicable income taxes | $1,859,000 | 825 |
| Income before extraordinary items | $3,369,000 | 995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,369,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,442,000 | 415 |
| Cash dividends | $1,579,000 | 907 |
| Sale, conversion, retirement of capital stock, net | $800,000 | 229 |
| Net operating income | $2,414,760 | 1,276 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,438,000 | 700 |
| Total interest expense | $6,285,000 | 413 |
| Net interest income | $4,153,000 | 1,182 |
| Provision for loan and lease losses | $-108,000 | 9,269 |
| Total noninterest income | $3,263,000 | 561 |
| Gross Fiduciary activities income | $230,000 | 421 |
| Service charges on deposit accounts | $284,000 | 1,467 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,749,000 | 441 |
| Total noninterest expense | $4,108,000 | 988 |
| Salaries and employee benefits | $1,767,000 | 1,208 |
| Premises and equipment expense | $948,000 | 610 |
| Additional noninterest expense | $1,393,000 | 900 |
| Pre-tax net operating income | $3,416,000 | 664 |
| Securities gains (losses) | $1,476,000 | 175 |
| Applicable income taxes | $1,728,000 | 507 |
| Income before extraordinary items | $3,164,000 | 561 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,164,000 | 559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $751,000 | 374 |
| Cash dividends | $1,190,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $800,000 | 112 |
| Net operating income | $2,204,600 | 705 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $44,996,000 | 680 |
| Total interest expense | $29,769,000 | 411 |
| Net interest income | $15,227,000 | 1,265 |
| Provision for loan and lease losses | $7,979,000 | 279 |
| Total noninterest income | $2,774,000 | 1,646 |
| Gross Fiduciary activities income | $1,200,000 | 371 |
| Service charges on deposit accounts | $973,000 | 1,659 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $601,000 | 2,958 |
| Total noninterest expense | $17,472,000 | 895 |
| Salaries and employee benefits | $8,103,000 | 998 |
| Premises and equipment expense | $3,769,000 | 591 |
| Additional noninterest expense | $5,600,000 | 898 |
| Pre-tax net operating income | $-7,450,000 | 9,322 |
| Securities gains (losses) | $1,240,000 | 370 |
| Applicable income taxes | $-1,091,000 | 9,296 |
| Income before extraordinary items | $-5,119,000 | 9,325 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-5,119,000 | 9,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,110,000 | 228 |
| Cash dividends | $2,531,000 | 1,074 |
| Sale, conversion, retirement of capital stock, net | $2,214,000 | 274 |
| Net operating income | $-6,135,800 | 9,312 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $54,291,000 | 652 |
| Total interest expense | $37,139,000 | 475 |
| Net interest income | $17,152,000 | 1,048 |
| Provision for loan and lease losses | $8,220,000 | 264 |
| Total noninterest income | $7,025,000 | 755 |
| Gross Fiduciary activities income | $1,159,000 | 389 |
| Service charges on deposit accounts | $885,000 | 1,711 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,981,000 | 669 |
| Total noninterest expense | $16,673,000 | 893 |
| Salaries and employee benefits | $8,801,000 | 845 |
| Premises and equipment expense | $3,614,000 | 610 |
| Additional noninterest expense | $4,258,000 | 1,123 |
| Pre-tax net operating income | $-716,000 | 9,252 |
| Securities gains (losses) | $894,000 | 424 |
| Applicable income taxes | $36,000 | 6,952 |
| Income before extraordinary items | $142,000 | 8,082 |
| Extraordinary gains, net | $-141,000 | 9,532 |
| Net income | $1,000 | 8,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,662,000 | 284 |
| Cash dividends | $2,218,000 | 1,220 |
| Sale, conversion, retirement of capital stock, net | $2,067,000 | 297 |
| Net operating income | $-573,200 | 9,228 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $62,133,000 | 607 |
| Total interest expense | $40,121,000 | 498 |
| Net interest income | $22,012,000 | 796 |
| Provision for loan and lease losses | $4,202,000 | 362 |
| Total noninterest income | $1,980,000 | 1,889 |
| Gross Fiduciary activities income | $1,053,000 | 412 |
| Service charges on deposit accounts | $598,000 | 2,297 |
| Trading account gains and fees | $3,000 | 171 |
| Additional Noninterest Income | $326,000 | 3,744 |
| Total noninterest expense | $33,794,000 | 477 |
| Salaries and employee benefits | $8,201,000 | 849 |
| Premises and equipment expense | $2,918,000 | 712 |
| Additional noninterest expense | $22,675,000 | 319 |
| Pre-tax net operating income | $-14,004,000 | 9,894 |
| Securities gains (losses) | $172,000 | 445 |
| Applicable income taxes | $-3,380,000 | 9,879 |
| Income before extraordinary items | $-10,452,000 | 9,880 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-10,452,000 | 9,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $994,000 | 752 |
| Cash dividends | $1,782,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $11,341,000 | 51 |
| Net operating income | $-10,582,720 | 9,880 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $39,857,000 | 850 |
| Total interest expense | $25,260,000 | 653 |
| Net interest income | $14,597,000 | 1,210 |
| Provision for loan and lease losses | $2,255,000 | 515 |
| Total noninterest income | $2,926,000 | 1,382 |
| Gross Fiduciary activities income | $839,000 | 502 |
| Service charges on deposit accounts | $366,000 | 3,445 |
| Trading account gains and fees | $-2,000 | 4,504 |
| Additional Noninterest Income | $1,723,000 | 1,272 |
| Total noninterest expense | $10,490,000 | 1,324 |
| Salaries and employee benefits | $5,453,000 | 1,271 |
| Premises and equipment expense | $1,991,000 | 1,014 |
| Additional noninterest expense | $3,046,000 | 1,498 |
| Pre-tax net operating income | $4,778,000 | 1,572 |
| Securities gains (losses) | $20,000 | 1,398 |
| Applicable income taxes | $1,320,000 | 1,763 |
| Income before extraordinary items | $3,478,000 | 1,539 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,478,000 | 1,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,879 |
| Cash dividends | $401,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $5,631,000 | 217 |
| Net operating income | $3,463,600 | 1,512 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $30,271,000 | 1,079 |
| Total interest expense | $21,131,000 | 772 |
| Net interest income | $9,140,000 | 1,873 |
| Provision for loan and lease losses | $509,000 | 1,697 |
| Total noninterest income | $1,315,000 | 2,501 |
| Gross Fiduciary activities income | $626,000 | 567 |
| Service charges on deposit accounts | $314,000 | 3,803 |
| Trading account gains and fees | $-43,000 | 4,426 |
| Additional Noninterest Income | $418,000 | 3,337 |
| Total noninterest expense | $6,837,000 | 1,903 |
| Salaries and employee benefits | $3,856,000 | 1,713 |
| Premises and equipment expense | $1,416,000 | 1,379 |
| Additional noninterest expense | $1,565,000 | 2,665 |
| Pre-tax net operating income | $3,109,000 | 2,293 |
| Securities gains (losses) | $-114,000 | 10,401 |
| Applicable income taxes | $542,000 | 3,650 |
| Income before extraordinary items | $2,453,000 | 2,125 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,453,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,285 |
| Cash dividends | $78,000 | 6,533 |
| Sale, conversion, retirement of capital stock, net | $4,991,000 | 240 |
| Net operating income | $2,546,480 | 1,977 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,299,000 | 1,282 |
| Total interest expense | $19,504,000 | 844 |
| Net interest income | $6,795,000 | 2,554 |
| Provision for loan and lease losses | $89,000 | 5,462 |
| Total noninterest income | $2,544,000 | 1,460 |
| Gross Fiduciary activities income | $486,000 | 668 |
| Service charges on deposit accounts | $252,000 | 4,642 |
| Trading account gains and fees | $-1,000 | 4,460 |
| Additional Noninterest Income | $1,807,000 | 1,170 |
| Total noninterest expense | $6,484,000 | 1,993 |
| Salaries and employee benefits | $3,231,000 | 2,037 |
| Premises and equipment expense | $1,465,000 | 1,335 |
| Additional noninterest expense | $1,788,000 | 2,322 |
| Pre-tax net operating income | $2,766,000 | 2,678 |
| Securities gains (losses) | $-43,000 | 10,607 |
| Applicable income taxes | $142,000 | 7,726 |
| Income before extraordinary items | $2,581,000 | 2,049 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,581,000 | 2,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,479 |
| Cash dividends | $264,000 | 4,840 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 672 |
| Net operating income | $2,621,850 | 1,961 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,789,000 | 1,431 |
| Total interest expense | $17,511,000 | 958 |
| Net interest income | $6,278,000 | 2,817 |
| Provision for loan and lease losses | $321,000 | 2,447 |
| Total noninterest income | $1,783,000 | 2,021 |
| Gross Fiduciary activities income | $426,000 | 751 |
| Service charges on deposit accounts | $218,000 | 5,252 |
| Trading account gains and fees | $-36,000 | 4,665 |
| Additional Noninterest Income | $1,175,000 | 1,624 |
| Total noninterest expense | $5,963,000 | 2,301 |
| Salaries and employee benefits | $2,746,000 | 2,427 |
| Premises and equipment expense | $1,589,000 | 1,284 |
| Additional noninterest expense | $1,628,000 | 2,922 |
| Pre-tax net operating income | $1,777,000 | 3,776 |
| Securities gains (losses) | $63,000 | 1,196 |
| Applicable income taxes | $450,000 | 4,501 |
| Income before extraordinary items | $1,390,000 | 3,429 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,390,000 | 3,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 773 |
| Net operating income | $1,342,120 | 3,481 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,122,000 | 1,483 |
| Total interest expense | $17,761,000 | 972 |
| Net interest income | $5,361,000 | 3,315 |
| Provision for loan and lease losses | $466,000 | 1,670 |
| Total noninterest income | $1,937,000 | 1,891 |
| Gross Fiduciary activities income | $346,000 | 847 |
| Service charges on deposit accounts | $224,000 | 5,277 |
| Trading account gains and fees | $84,000 | 293 |
| Additional Noninterest Income | $1,283,000 | 1,522 |
| Total noninterest expense | $10,244,000 | 1,381 |
| Salaries and employee benefits | $2,383,000 | 2,808 |
| Premises and equipment expense | $1,530,000 | 1,346 |
| Additional noninterest expense | $6,331,000 | 934 |
| Pre-tax net operating income | $-3,412,000 | 11,951 |
| Securities gains (losses) | $900,000 | 243 |
| Applicable income taxes | $-854,000 | 11,895 |
| Income before extraordinary items | $-1,658,000 | 11,893 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-1,658,000 | 11,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,910 |
| Cash dividends | $34,000 | 8,122 |
| Sale, conversion, retirement of capital stock, net | $1,207,000 | 273 |
| Net operating income | $-2,252,000 | 11,913 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,193,000 | 1,693 |
| Total interest expense | $12,587,000 | 1,051 |
| Net interest income | $5,606,000 | 3,198 |
| Provision for loan and lease losses | $256,000 | 2,540 |
| Total noninterest income | $2,594,000 | 1,526 |
| Gross Fiduciary activities income | $301,000 | 898 |
| Service charges on deposit accounts | $229,000 | 5,365 |
| Trading account gains and fees | $-341,000 | 4,915 |
| Additional Noninterest Income | $2,405,000 | 1,010 |
| Total noninterest expense | $5,505,000 | 2,533 |
| Salaries and employee benefits | $2,353,000 | 2,810 |
| Premises and equipment expense | $1,450,000 | 1,448 |
| Additional noninterest expense | $1,702,000 | 2,968 |
| Pre-tax net operating income | $2,439,000 | 2,894 |
| Securities gains (losses) | $487,000 | 273 |
| Applicable income taxes | $995,000 | 2,252 |
| Income before extraordinary items | $1,931,000 | 2,513 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,931,000 | 2,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,111 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 717 |
| Net operating income | $1,609,580 | 3,013 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,246,000 | 2,061 |
| Total interest expense | $9,002,000 | 1,483 |
| Net interest income | $6,244,000 | 2,916 |
| Provision for loan and lease losses | $1,233,000 | 1,134 |
| Total noninterest income | $592,000 | 5,002 |
| Gross Fiduciary activities income | $113,000 | 1,187 |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | $211,000 | 223 |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $6,450,000 | 2,247 |
| Salaries and employee benefits | $2,912,000 | 2,284 |
| Premises and equipment expense | $1,726,000 | 1,245 |
| Additional noninterest expense | $1,812,000 | 2,972 |
| Pre-tax net operating income | $-847,000 | 12,945 |
| Securities gains (losses) | $3,830,000 | 193 |
| Applicable income taxes | $955,000 | 2,369 |
| Income before extraordinary items | $2,028,000 | 2,475 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,028,000 | 2,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $987,000 | 1,149 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $4,253,000 | 224 |
| Net operating income | $-576,400 | 12,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,368,000 | 2,437 |
| Total interest expense | $8,767,000 | 1,934 |
| Net interest income | $5,601,000 | 3,272 |
| Provision for loan and lease losses | $765,000 | 2,218 |
| Total noninterest income | $300,000 | 7,734 |
| Gross Fiduciary activities income | $12,000 | 1,528 |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | $65,000 | 299 |
| Additional Noninterest Income | $151,000 | 6,621 |
| Total noninterest expense | $6,698,000 | 2,201 |
| Salaries and employee benefits | $1,908,000 | 3,344 |
| Premises and equipment expense | $565,000 | 3,558 |
| Additional noninterest expense | $4,225,000 | 1,533 |
| Pre-tax net operating income | $-1,562,000 | 13,584 |
| Securities gains (losses) | $282,000 | 1,595 |
| Applicable income taxes | $78,000 | 10,500 |
| Income before extraordinary items | $-1,358,000 | 13,601 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,358,000 | 13,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 2,918 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $2,115,000 | 298 |
| Net operating income | $-1,640,000 | 13,586 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.