Banco Bilbao Vizcaya Argentaria Puerto Rico

Torre Bbva, Avenida 254 Muno
San Juan, PR 00918

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19919
Date Established 1969
Assets $4.96 billion
Loans $3.58 billion
Deposits $3.44 billion
Capital $0.62 billion

Banco Bilbao Vizcaya Argentaria Puerto Rico is an FDIC insured institution located in San Juan, PR. It was founded in 1969 and has approximately $4.96 billion in assets.

For a more detailed analysis of Banco Bilbao Vizcaya Argentaria Puerto Rico's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Banco Bilbao Vizcaya Argentaria Puerto Rico’s loan portfolio are Consumer Auto Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in , Banco Bilbao Vizcaya Argentaria Puerto Rico has a significantly higher percent of Consumer Auto Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.86
Multifamily
Mortgages
0.00
Credit Card Loans 1.67
Consumer Auto Loans 27.94
Small Business Loans 5.16
Construction and Development Loans 2.18
Commercial Real Estate 16.36
Commercial and Industrial Loans 10.19
Farm Loans 0.07

Savings Rates

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Loan Rates

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Branches

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Financial Details

Banco Bilbao Vizcaya Argentaria Puerto Rico Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banco Bilbao Vizcaya Argentaria Puerto Rico. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
39.45% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Banco Bilbao Vizcaya Argentaria Puerto Rico had $231,562,000 in non-current loans and $58,377,000 in owned real estate. To cover these potential losses it had $616,643,000 in equity and $118,294,000 in loans loss reserves. That gives it a Texas Ratio of 39.45%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
6.77% 9.45%

Banco Bilbao Vizcaya Argentaria Puerto Rico has a Return on Equity of 6.77% versus the BestCashCow average of 9.45%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Banco Bilbao Vizcaya Argentaria Puerto Rico U.S. Bank Average
12.43% 11.28%

Banco Bilbao Vizcaya Argentaria Puerto Rico has a Capitalization of 12.43% versus the BestCashCow average of 11.28%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Banco Bilbao Vizcaya Argentaria Puerto Rico Balance Sheet Analysis

As of September 30, 2012, Banco Bilbao Vizcaya Argentaria Puerto Rico had assets of $4,962,184,000, loans of $3,579,485,000, and deposits of $3,441,089,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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