FDIC Certificate #: 26508 Status: Active Federal Reserve ID: 66015 Bank Holding Company (Regulatory Top Holder): Grupo Popular, S. A. (RSSDID: 1135217, Location: Santo Domingo) Date Established: January 27, 1986 WWW:http://www.bpdbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 33210 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: Yes State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 27, 1986 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 90 Broad Street, 5th Floor, New York, NY 10004 County: New York Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: New York City Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): New York, NY (#5600) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $384.5 mil Equity capital: $66.7 mil Deposits held in domestic offices: $276.1 mil Return on assets (ROA): 0.98% ($3.8 mil) Quarterly return on assets: 0.71% ($2.7 mil) Return on Equity (ROE): 6.18% ($4.1 mil) Quarterly return on equity: 4.28% ($2.9 mil) Net income: $4.0 mil Quarterly Net income: $0.7 mil Pretax return on assets: 1.00% ($3,845.3 mil) Quarterly Pretax return on assets: 1.07% ($4,114.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
60Total employees (full-time equivalent)
$384,535Total assets
$21,980Cash and due from depository institutions
$171Interest-bearing balances
$72,089Securities
$21,000Federal funds sold & reverse repurchase agreements
$237,735Net loans & leases
$5,485Loan loss allowance
$0Trading account assets
$799Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$384,535Life insurance assets
$30,932All other assets
$317,859Total liabilities and capital
$286,093Total liabilities
$143,653Total deposits
$276,057Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$30,000Trading liabilities
$0Other borrowed funds
$1,766Subordinated debt
$66,676All other liabilities
$66,676Total equity capital
$66,676Total bank equity capital
$0Perpetual preferred stock
$27,863Common stock
$17,742Surplus
$21,071Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,529Income earned, not collected on loans
$0Earning assets
$1,589Long-term assets (5+ years)
$330,995Average Assets, year-to-date
$96,253Average Assets, quarterly
$407,225Volatile liabilities
$401,437Insider loans
$248,032FHLB advances
$409,601Loans and leases held for sale
$8,590Unused loan commitments
$8,590Tier 1 (core) risk-based capital
$66,805Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,536Restructured Loans and leases
$2,500Derivatives
$139,513Total assets and liabilities in foreign offices
Income and Expense (December 31, 2011)
Dollar figures in thousands
$17,755Total interest income
$2,527Total interest expense
$15,228Net interest income
$4,123Provision for loan and lease losses
$3,269Total noninterest income
$0Fiduciary activities
$906Service charges on deposit accounts
$0Trading account gains & fees
$2,363Additional noninterest income
$12,939Total noninterest expense
$6,043Salaries and employee benefits
$3,024Premises and equipment expense
$3,872Additional noninterest expense
$1,435Pre-tax net operating income
$2,633Securities gains (losses)
$63Applicable income taxes
$4,005Income before extraordinary items
$0Extraordinary gains - net
$4,005Net income attributable to bank
$0Net charge-offs
$4,005Cash dividends
$3,780Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
0.73%Cost of funding earning assets
4.37%Net interest margin
0.94%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
0.35%Net operating income to assets
0.98%Return on assets (ROA)
1.00%Pretax return on assets
6.18%Return on equity (ROE)
6.18%Retained earnings to average equity (YTD only)
1.52%Net charge-offs to loans
109.07%Credit loss provision to net charge-offs
1.47%Efficiency ratio
69,952Assets per employee
6.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.26%Loss allowance to noncurrent loans
121.11%Noncurrent assets plus other real estate owned to assets
1.18%Noncurrent loans to loans
1.86%Net loans and leases to deposits
83.10%Net loans and leases to core deposits
96.37%Equity capital to assets
17.34%Core capital (leverage) ratio
16.31%Tier 1 risk-based capital ratio
26.93%Total risk-based capital ratio
Memoranda
$28Average assets
$407,225Average earning assets
$64,757Average equity
$348,499Average loans
List of branches
1 New York Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
33210
Bpd Bank
90 Broad Street, 5th Floor, New York, NY 10004
January 27, 1986
Full Service Brick and Mortar
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