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Allowance for loan losses (Tables)
 6 Months Ended
Jun. 30, 2012
Allowance Movement [Table Text Block]
For the quarter ended June 30, 2012
Puerto Rico - Non-covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 221,329 $ 6,671 $ 96,507 $ 4,967 $ 118,062 $ 447,536
 Provision (reversal of provision)  11,081   1,778   38,642   (2,002)   16,944   66,443
 Charge-offs  (39,123)   (1,033)   (15,479)   (909)   (30,475)   (87,019)
 Recoveries  10,559   48   669   901   7,420   19,597
Ending balance$ 203,846 $ 7,464 $ 120,339 $ 2,957 $ 111,951 $ 446,557

For the quarter ended June 30, 2012
Puerto Rico - Covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 90,070 $ 29,727 $ 10,517 $ - $ 8,182 $ 138,496
 Provision (reversal of provision)  20,174   9,088   5,185   -   3,009   37,456
 Charge-offs  (34,652)   (15,187)   (4,085)   -   (4,533)   (58,457)
 Recoveries  -   -   -   -   -   -
Ending balance$ 75,592 $ 23,628 $ 11,617 $ - $ 6,658 $ 117,495

For the quarter ended June 30, 2012
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Beginning balance$ 92,250 $ 2,462 $ 28,972 $ 54,725 $ 38,823 $ 217,232
 Provision (reversal of provision)  11,800   (788)   3,882   (5,255)   5,661   15,300
 Charge-offs  (17,769)   -   (3,674)   (11,193)   (11,883)   (44,519)
 Recoveries  6,637   4   303   5,734   1,287   13,965
Ending balance$ 92,918 $ 1,678 $ 29,483 $ 44,011 $ 33,888 $ 201,978

For the quarter ended June 30, 2012
Popular, Inc.
                      
                      
(In thousands)Commercial Construction Mortgage LegacyLeasing Consumer Total
Allowance for credit losses:                   
Beginning balance$ 403,649 $ 38,860 $ 135,996 $ 54,725$ 4,967 $ 165,067 $ 803,264
 Provision (reversal of provision)  43,055   10,078   47,709   (5,255)  (2,002)   25,614   119,199
 Charge-offs  (91,544)   (16,220)   (23,238)   (11,193)  (909)   (46,891)   (189,995)
 Recoveries  17,196   52   972   5,734  901   8,707   33,562
Ending balance$ 372,356 $ 32,770 $ 161,439 $ 44,011$ 2,957 $ 152,497 $ 766,030

For the six months ended June 30, 2012
Puerto Rico - Non-covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 255,453 $ 5,850 $ 72,322 $ 4,651 $ 115,126 $ 453,402
 Provision (reversal of provision)  14,475   2,228   75,053   (1,532)   44,011   134,235
 Charge-offs  (86,767)   (1,313)   (28,970)   (2,126)   (62,713)   (181,889)
 Recoveries  20,685   699   1,934   1,964   15,527   40,809
Ending balance$ 203,846 $ 7,464 $ 120,339 $ 2,957 $ 111,951 $ 446,557

For the six months ended June 30, 2012
Puerto Rico - Covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 94,472 $ 20,435 $ 5,310 $ - $ 4,728 $ 124,945
 Provision (reversal of provision)  19,874   18,644   10,595   -   6,552   55,665
 Charge-offs  (38,754)   (15,451)   (4,288)   -   (4,622)   (63,115)
 Recoveries  -   -   -   -   -   -
Ending balance$ 75,592 $ 23,628 $ 11,617 $ - $ 6,658 $ 117,495

For the six months ended June 30, 2012
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Beginning balance$ 113,979 $ 2,631 $ 29,939 $ 46,228 $ 44,184 $ 236,961
 Provision (reversal of provision)  6,936   (791)   8,143   6,800   8,934   30,022
 Charge-offs  (37,371)   (1,396)   (9,006)   (19,666)   (22,241)   (89,680)
 Recoveries  9,374   1,234   407   10,649   3,011   24,675
Ending balance$ 92,918 $ 1,678 $ 29,483 $ 44,011 $ 33,888 $ 201,978

For the six months ended June 30, 2012
Popular, Inc.
                      
                      
(In thousands)Commercial Construction Mortgage LegacyLeasing Consumer Total
Allowance for credit losses:                   
Beginning balance$ 463,904 $ 28,916 $ 107,571 $ 46,228$ 4,651 $ 164,038 $ 815,308
 Provision (reversal of provision)  41,285   20,081   93,791   6,800  (1,532)   59,497   219,922
 Charge-offs  (162,892)   (18,160)   (42,264)   (19,666)  (2,126)   (89,576)   (334,684)
 Recoveries  30,059   1,933   2,341   10,649  1,964   18,538   65,484
Ending balance$ 372,356 $ 32,770 $ 161,439 $ 44,011$ 2,957 $ 152,497 $ 766,030

For the quarter ended June 30, 2011
Puerto Rico - Non-covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 219,214 $ 11,438 $ 55,867 $ 6,608 $ 130,184 $ 423,311
 Provision (reversal of provision)  57,842   (10,309)   6,424   (931)   17,691   70,717
 Charge-offs  (57,027)   (283)   (7,166)   (1,510)   (34,143)   (100,129)
 Recoveries  7,104   6,227   15   878   6,780   21,004
Ending balance$ 227,133 $ 7,073 $ 55,140 $ 5,045 $ 120,512 $ 414,903

For the quarter ended June 30, 2011
Puerto Rico - Covered Loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 1,935 $ 6,934 $ 59 $ - $ 231 $ 9,159
 Provision (reversal of provision)  46,157   2,357   (24)   -   115   48,605
 Charge-offs  (263)   -   -   -   (332)   (595)
 Recoveries  -   -   -   -   -   -
Ending balance$ 47,829 $ 9,291 $ 35 $ - $ 14 $ 57,169

For the quarter ended June 30, 2011
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Beginning balance$ 128,077 $ 22,138 $ 24,243 $ 69,912 $ 59,665 $ 304,035
 Provision (reversal of provision)  7,590   (13,936)   2,619   21,006   7,716   24,995
 Charge-offs  (26,104)   (652)   (4,996)   (24,113)   (15,261)   (71,126)
 Recoveries  7,249   162   966   6,740   1,754   16,871
 Net recovery related to loans transferred to LHFS  -   -   -   -   -   -
Ending balance$ 116,812 $ 7,712 $ 22,832 $ 73,545 $ 53,874 $ 274,775

For the quarter ended June 30, 2011
Popular, Inc.
                 
                 
(In thousands)CommercialConstructionMortgageLegacyLeasingConsumerTotal
Allowance for credit losses:              
Beginning balance$ 349,226$ 40,510$ 80,169$ 69,912$ 6,608$ 190,080$ 736,505
 Provision (reversal of provision)  111,589  (21,888)  9,019  21,006  (931)  25,522  144,317
 Charge-offs  (83,394)  (935)  (12,162)  (24,113)  (1,510)  (49,736)  (171,850)
 Recoveries  14,353  6,389  981  6,740  878  8,534  37,875
 Net recovery related to loans transferred to LHFS  -  -  -  -  -  -  -
Ending balance$ 391,774$ 24,076$ 78,007$ 73,545$ 5,045$ 174,400$ 746,847

For the six months ended June 30, 2011
Puerto Rico - Non-covered loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ 256,643 $ 16,074 $ 42,029 $ 7,154 $ 133,531 $ 455,431
 Provision (reversal of provision)  58,941   (6,924)   27,939   (298)   42,758   122,416
 Charge-offs  (103,059)   (10,037)   (15,370)   (3,456)   (69,620)   (201,542)
 Recoveries  14,608   7,960   542   1,645   13,843   38,598
Ending balance$ 227,133 $ 7,073 $ 55,140 $ 5,045 $ 120,512 $ 414,903

For the six months ended June 30, 2011
Puerto Rico - Covered Loans
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Beginning balance$ - $ - $ - $ - $ - $ -
 Provision (reversal of provision)  49,799   13,636   35   -   692   64,162
 Charge-offs  (1,970)   (4,345)   -   -   (678)   (6,993)
 Recoveries  -   -   -   -   -   -
Ending balance$ 47,829 $ 9,291 $ 35 $ - $ 14 $ 57,169

For the six months ended June 30, 2011
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Beginning balance$ 143,281 $ 23,711 $ 28,839 $ 76,405 $ 65,558 $ 337,794
 Provision (reversal of provision)  9,870   (14,744)   (15,214)   34,761   18,385   33,058
 Charge-offs  (45,636)   (1,635)   (6,354)   (47,616)   (33,175)   (134,416)
 Recoveries  9,297   380   1,754   9,995   3,106   24,532
 Net recovery related to loans transferred to LHFS  -   -   13,807   -   -   13,807
Ending balance$ 116,812 $ 7,712 $ 22,832 $ 73,545 $ 53,874 $ 274,775

For the six months ended June 30, 2011
Popular, Inc.
                 
                 
(In thousands)CommercialConstructionMortgageLegacyLeasingConsumerTotal
Allowance for credit losses:              
Beginning balance$ 399,924$ 39,785$ 70,868$ 76,405$ 7,154$ 199,089$ 793,225
 Provision (reversal of provision)  118,610  (8,032)  12,760  34,761  (298)  61,835  219,636
 Charge-offs  (150,665)  (16,017)  (21,724)  (47,616)  (3,456)  (103,473)  (342,951)
 Recoveries  23,905  8,340  2,296  9,995  1,645  16,949  63,130
 Net recovery related to loans transferred to LHFS  -  -  13,807  -  -  -  13,807
Ending balance$ 391,774$ 24,076$ 78,007$ 73,545$ 5,045$ 174,400$ 746,847
Allowance For Credit Losses On Financing Receivables Table Text Block
At June 30, 2012
Puerto Rico
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Specific ALLL non-covered loans$ 5,497 $ 434 $ 44,708 $ 766 $ 19,564 $ 70,969
General ALLL non-covered loans  198,349   7,030   75,631   2,191   92,387   375,588
ALLL - non-covered loans  203,846   7,464   120,339   2,957   111,951   446,557
Specific ALLL covered loans  14,278   -   -   -   -   14,278
General ALLL covered loans  61,314   23,628   11,617   -   6,658   103,217
ALLL - covered loans  75,592   23,628   11,617   -   6,658   117,495
Total ALLL$ 279,438 $ 31,092 $ 131,956 $ 2,957 $ 118,609 $ 564,052
                   
Loans held-in-portfolio:                 
Impaired non-covered loans$ 378,660 $ 49,003 $ 457,359 $ 5,528 $ 131,495 $ 1,022,045
Non-covered loans held-in-portfolio                 
 excluding impaired loans  5,784,620   152,761   4,356,862   532,389   3,067,554   13,894,186
Non-covered loans held-in-portfolio  6,163,280   201,764   4,814,221   537,917   3,199,049   14,916,231
Impaired covered loans  76,695   -   -   -   -   76,695
Covered loans held-in-portfolio                 
 excluding impaired loans  2,254,481   469,765   1,116,476   -   98,913   3,939,635
Covered loans held-in-portfolio  2,331,176   469,765   1,116,476   -   98,913   4,016,330
Total loans held-in-portfolio$ 8,494,456 $ 671,529 $ 5,930,697 $ 537,917 $ 3,297,962 $ 18,932,561

At June 30, 2012
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Specific ALLL$ 1,333 $ - $ 15,015 $ 99 $ 92 $ 16,539
General ALLL  91,585   1,678   14,468   43,912   33,796   185,439
Total ALLL$ 92,918 $ 1,678 $ 29,483 $ 44,011 $ 33,888 $ 201,978
                    
Loans held-in-portfolio:                 
Impaired loans$ 116,372 $ 12,004 $ 53,300 $ 29,289 $ 2,362 $ 213,327
Loans held-in-portfolio,                 
 excluding impaired loans  3,323,163   35,975   1,032,452   480,540   664,121   5,536,251
Total loans held-in-portfolio$ 3,439,535 $ 47,979 $ 1,085,752 $ 509,829 $ 666,483 $ 5,749,578

At June 30, 2012
Popular, Inc.
                      
                      
(In thousands)Commercial Construction Mortgage LegacyLeasing Consumer Total
Allowance for credit losses:                   
Specific ALLL non-covered loans$ 6,830 $ 434 $ 59,723 $ 99$ 766 $ 19,656 $ 87,508
General ALLL non-covered loans  289,934   8,708   90,099   43,912  2,191   126,183   561,027
ALLL - non-covered loans  296,764   9,142   149,822   44,011  2,957   145,839   648,535
Specific ALLL covered loans  14,278   -   -   -  -   -   14,278
General ALLL covered loans  61,314   23,628   11,617   -  -   6,658   103,217
ALLL - covered loans  75,592   23,628   11,617   -  -   6,658   117,495
Total ALLL$ 372,356 $ 32,770 $ 161,439 $ 44,011$ 2,957 $ 152,497 $ 766,030
                      
Loans held-in-portfolio:                   
Impaired non-covered loans$ 495,032 $ 61,007 $ 510,659 $ 29,289$ 5,528 $ 133,857 $ 1,235,372
Non-covered loans held-in-portfolio                   
 excluding impaired loans  9,107,783   188,736   5,389,314   480,540  532,389   3,731,675   19,430,437
Non-covered loans held-in-portfolio  9,602,815   249,743   5,899,973   509,829  537,917   3,865,532   20,665,809
Impaired covered loans  76,695   -   -   -  -   -   76,695
Covered loans held-in-portfolio                   
 excluding impaired loans  2,254,481   469,765   1,116,476   -  -   98,913   3,939,635
Covered loans held-in-portfolio  2,331,176   469,765   1,116,476   -  -   98,913   4,016,330
Total loans held-in-portfolio$ 11,933,991 $ 719,508 $ 7,016,449 $ 509,829$ 537,917 $ 3,964,445 $ 24,682,139

At December 31, 2011
Puerto Rico
                   
                   
(In thousands)Commercial Construction Mortgage Leasing Consumer Total
Allowance for credit losses:                 
Specific ALLL non-covered loans$ 10,407 $ 289 $ 14,944 $ 793 $ 16,915 $ 43,348
General ALLL non-covered loans  245,046   5,561   57,378   3,858   98,211   410,054
ALLL - non-covered loans  255,453   5,850   72,322   4,651   115,126   453,402
Specific ALLL covered loans  27,086   -   -   -   -   27,086
General ALLL covered loans  67,386   20,435   5,310   -   4,728   97,859
ALLL - covered loans  94,472   20,435   5,310   -   4,728   124,945
Total ALLL$ 349,925 $ 26,285 $ 77,632 $ 4,651 $ 119,854 $ 578,347
                   
Loans held-in-portfolio:                 
Impaired non-covered loans$ 403,089 $ 49,747 $ 333,346 $ 6,104 $ 137,582 $ 929,868
Non-covered loans held-in-portfolio                 
 excluding impaired loans  6,067,493   111,194   4,356,137   542,602   2,832,845   13,910,271
Non-covered loans held-in-portfolio  6,470,582   160,941   4,689,483   548,706   2,970,427   14,840,139
Impaired covered loans  76,798   -   -   -   -   76,798
Covered loans held-in-portfolio                 
 excluding impaired loans  2,435,944   546,826   1,172,954   -   116,181   4,271,905
Covered loans held-in-portfolio  2,512,742   546,826   1,172,954   -   116,181   4,348,703
Total loans held-in-portfolio$ 8,983,324 $ 707,767 $ 5,862,437 $ 548,706 $ 3,086,608 $ 19,188,842

At December 31, 2011
U.S. Mainland
                    
                    
(In thousands)Commercial Construction Mortgage Legacy Consumer Total
Allowance for credit losses:                 
Specific ALLL$ 1,331 $ - $ 14,119 $ 57 $ 131 $ 15,638
General ALLL  112,648   2,631   15,820   46,171   44,053   221,323
Total ALLL$ 113,979 $ 2,631 $ 29,939 $ 46,228 $ 44,184 $ 236,961
                    
Loans held-in-portfolio:                 
Impaired loans$ 153,240 $ 41,963 $ 49,534 $ 48,890 $ 2,526 $ 296,153
Loans held-in-portfolio,                 
 excluding impaired loans  3,349,505   37,035   779,443   599,519   700,802   5,466,304
Total loans held-in-portfolio$ 3,502,745 $ 78,998 $ 828,977 $ 648,409 $ 703,328 $ 5,762,457

At December 31, 2011
Popular, Inc.
                      
                      
(In thousands)Commercial Construction Mortgage LegacyLeasing Consumer Total
Allowance for credit losses:                   
Specific ALLL non-covered loans$ 11,738 $ 289 $ 29,063 $ 57$ 793 $ 17,046 $ 58,986
General ALLL non-covered loans  357,694   8,192   73,198   46,171  3,858   142,264   631,377
ALLL - non-covered loans  369,432   8,481   102,261   46,228  4,651   159,310   690,363
Specific ALLL covered loans  27,086   -   -   -  -   -   27,086
General ALLL covered loans  67,386   20,435   5,310   -  -   4,728   97,859
ALLL - covered loans  94,472   20,435   5,310   -  -   4,728   124,945
Total ALLL$ 463,904 $ 28,916 $ 107,571 $ 46,228$ 4,651 $ 164,038 $ 815,308
                      
Loans held-in-portfolio:                   
Impaired non-covered loans$ 556,329 $ 91,710 $ 382,880 $ 48,890$ 6,104 $ 140,108 $ 1,226,021
Non-covered loans held-in-portfolio                   
 excluding impaired loans  9,416,998   148,229   5,135,580   599,519  542,602   3,533,647   19,376,575
Non-covered loans held-in-portfolio  9,973,327   239,939   5,518,460   648,409  548,706   3,673,755   20,602,596
Impaired covered loans  76,798   -   -   -  -   -   76,798
Covered loans held-in-portfolio                   
 excluding impaired loans  2,435,944   546,826   1,172,954   -  -   116,181   4,271,905
Covered loans held-in-portfolio  2,512,742   546,826   1,172,954   -  -   116,181   4,348,703
Total loans held-in-portfolio$ 12,486,069 $ 786,765 $ 6,691,414 $ 648,409$ 548,706 $ 3,789,936 $ 24,951,299
Finance Receivables Individually Evaluated For Impairment Table [Text Block]
June 30, 2012
Puerto Rico
 Impaired Loans – With an Impaired Loans       
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipal Related
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalance allowance
Commercial multi-family$ -$ -$ -$ 8,166$ 12,969$ 8,166$ 12,969$ -
Commercial real estate non-owner occupied  4,285  5,382  42  56,124  59,964  60,409  65,346  42
Commercial real estate owner occupied  42,746  57,372  3,576  148,707  188,878  191,453  246,250  3,576
Commercial and industrial  24,222  28,314  1,879  94,410  138,691  118,632  167,005  1,879
Construction  4,688  6,379  434  44,315  98,454  49,003  104,833  434
Mortgage  421,337  436,514  44,708  36,022  38,620  457,359  475,134  44,708
Leasing  5,528  5,528  766  -  -  5,528  5,528  766
Consumer                
Credit cards  38,089  38,089  1,756  -  -  38,089  38,089  1,756
Personal   89,681  89,681  17,178  -  -  89,681  89,681  17,178
Auto   170  170  10  -  -  170  170  10
Other  3,555  3,555  620  -  -  3,555  3,555  620
Covered loans  25,212  25,212  14,278  51,483  51,483  76,695  76,695  14,278
Total Puerto Rico$ 659,513$ 696,196$ 85,247$ 439,227$ 589,059$ 1,098,740$ 1,285,255$ 85,247

June 30, 2012
U.S. mainland
 Impaired Loans – With an Impaired Loans      
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$ -$ -$ -$ 11,076$ 16,111$ 11,076$ 16,111$ -
Commercial real estate non-owner occupied  3,991  6,207  1,333  59,692  87,729  63,683  93,936  1,333
Commercial real estate owner occupied  -  -  -  27,925  35,499  27,925  35,499  -
Commercial and industrial  -  -  -  13,688  17,206  13,688  17,206  -
Construction  -  -  -  12,004  13,944  12,004  13,944  -
Mortgage  48,281  48,980  15,015  5,019  5,019  53,300  53,999  15,015
Legacy  1,112  1,112  99  28,177  42,324  29,289  43,436  99
Consumer                
Auto   92  92  4  -  -  92  92  4
Other  2,270  2,270  88  -  -  2,270  2,270  88
Total U.S. mainland$ 55,746$ 58,661$ 16,539$ 157,581$ 217,832$ 213,327$ 276,493$ 16,539

June 30, 2012
Popular, Inc.
 Impaired Loans – With an Impaired Loans      
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$ -$ -$ -$ 19,242$ 29,080$ 19,242$ 29,080$ -
Commercial real estate non-owner occupied  8,276  11,589  1,375  115,816  147,693  124,092  159,282  1,375
Commercial real estate owner occupied  42,746  57,372  3,576  176,632  224,377  219,378  281,749  3,576
Commercial and industrial  24,222  28,314  1,879  108,098  155,897  132,320  184,211  1,879
Construction  4,688  6,379  434  56,319  112,398  61,007  118,777  434
Mortgage  469,618  485,494  59,723  41,041  43,639  510,659  529,133  59,723
Legacy  1,112  1,112  99  28,177  42,324  29,289  43,436  99
Leasing  5,528  5,528  766  -  -  5,528  5,528  766
Consumer                
Credit cards  38,089  38,089  1,756  -  -  38,089  38,089  1,756
Personal   89,681  89,681  17,178  -  -  89,681  89,681  17,178
Auto   262  262  14  -  -  262  262  14
Other  5,825  5,825  708  -  -  5,825  5,825  708
Covered loans  25,212  25,212  14,278  51,483  51,483  76,695  76,695  14,278
Total Popular, Inc.$ 715,259$ 754,857$ 101,786$ 596,808$ 806,891$ 1,312,067$ 1,561,748$ 101,786

December 31, 2011
Puerto Rico
 Impaired Loans – With an Impaired Loans       
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipal Related
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalance allowance
Commercial multi-family$ 10,463$ 10,463$ 575$ 12,206$ 21,312$ 22,669$ 31,775$ 575
Commercial real estate non-owner occupied  5,909  7,006  836  45,517  47,439  51,426  54,445  836
Commercial real estate owner occupied  37,534  46,806  2,757  165,745  215,288  203,279  262,094  2,757
Commercial and industrial  42,294  55,180  6,239  83,421  108,224  125,715  163,404  6,239
Construction  1,672  2,369  289  48,075  101,042  49,747  103,411  289
Mortgage  333,346  336,682  14,944  -  -  333,346  336,682  14,944
Leasing  6,104  6,104  793  -  -  6,104  6,104  793
Consumer                
Credit cards  38,874  38,874  2,151  -  -  38,874  38,874  2,151
Personal   93,760  93,760  14,115  -  -  93,760  93,760  14,115
Other  4,948  4,948  649  -  -  4,948  4,948  649
Covered loans  75,798  75,798  27,086  1,000  1,000  76,798  76,798  27,086
Total Puerto Rico$ 650,702$ 677,990$ 70,434$ 355,964$ 494,305$ 1,006,666$ 1,172,295$ 70,434

December 31, 2011
U.S. mainland
 Impaired Loans – With an Impaired Loans      
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$ -$ -$ -$ 8,655$ 12,403$ 8,655$ 12,403$ -
Commercial real estate non-owner occupied  1,306  1,306  214  61,111  83,938  62,417  85,244  214
Commercial real estate owner occupied  1,239  1,239  455  46,403  56,229  47,642  57,468  455
Commercial and industrial  7,390  7,390  662  27,136  29,870  34,526  37,260  662
Construction  -  -  -  41,963  44,751  41,963  44,751  -
Mortgage  39,570  39,899  14,119  9,964  9,964  49,534  49,863  14,119
Legacy  6,013  6,013  57  42,877  69,221  48,890  75,234  57
Consumer                
Auto   93  93  6  -  -  93  93  6
Other  2,433  2,433  125  -  -  2,433  2,433  125
Total U.S. mainland$ 58,044$ 58,373$ 15,638$ 238,109$ 306,376$ 296,153$ 364,749$ 15,638

December 31, 2011
Popular, Inc.
 Impaired Loans – With an Impaired Loans      
 AllowanceWith No AllowanceImpaired Loans - Total
   Unpaid    Unpaid  Unpaid  
 RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$ 10,463$ 10,463$ 575$ 20,861$ 33,715$ 31,324$ 44,178$ 575
Commercial real estate non-owner occupied  7,215  8,312  1,050  106,628  131,377  113,843  139,689  1,050
Commercial real estate owner occupied  38,773  48,045  3,212  212,148  271,517  250,921  319,562  3,212
Commercial and industrial  49,684  62,570  6,901  110,557  138,094  160,241  200,664  6,901
Construction  1,672  2,369  289  90,038  145,793  91,710  148,162  289
Mortgage  372,916  376,581  29,063  9,964  9,964  382,880  386,545  29,063
Legacy  6,013  6,013  57  42,877  69,221  48,890  75,234  57
Leasing  6,104  6,104  793  -  -  6,104  6,104  793
Consumer                
Credit cards  38,874  38,874  2,151  -  -  38,874  38,874  2,151
Personal   93,760  93,760  14,115  -  -  93,760  93,760  14,115
Auto   93  93  6  -  -  93  93  6
Other  7,381  7,381  774  -  -  7,381  7,381  774
Covered loans  75,798  75,798  27,086  1,000  1,000  76,798  76,798  27,086
Total Popular, Inc.$ 708,746$ 736,363$ 86,072$ 594,073$ 800,681$ 1,302,819$ 1,537,044$ 86,072
Impaired Loans Average Investment Interest Income Table [Text Block]
For the quarter ended June 30, 2012
  Puerto Rico U.S. Mainland Popular, Inc.
 Average Interest Average Interest Average Interest
 recorded income recorded income recorded income
(In thousands)investment recognized investment recognized investment recognized
Commercial multi-family$ 8,469 $ - $ 11,397 $ 11 $ 19,866 $ 11
Commercial real estate non-owner occupied  61,468   176   64,514   327   125,982   503
Commercial real estate owner occupied  195,838   197   34,745   -   230,583   197
Commercial and industrial  124,604   137   22,557   -   147,161   137
Construction  50,013   91   12,565   -   62,578   91
Mortgage  427,107   6,267   53,600   495   480,707   6,762
Legacy  -   -   38,510   19   38,510   19
Leasing  5,470   -   -   -   5,470   -
Consumer                 
Credit cards  38,567   -   -   -   38,567   -
Personal   90,862   -   -   -   90,862   -
Auto   85   -   46   -   131   -
Other  4,107   -   2,362   -   6,469   -
Covered loans  81,275   -   -   -   81,275   -
Total Popular, Inc.$ 1,087,865 $ 6,868 $ 240,296 $ 852 $ 1,328,161 $ 7,720

For the quarter ended June 30, 2011
  Puerto Rico U.S. Mainland Popular, Inc.
 Average Interest Average Interest Average Interest
 recorded income recorded income recorded income
(In thousands)investment recognized investment recognized investment recognized
Commercial multi-family$ 12,409 $ (106) $ 6,280 $ - $ 18,689 $ (106)
Commercial real estate non-owner occupied  43,652   272   86,596   -   130,248   272
Commercial real estate owner occupied  188,690   459   17,315   354   206,005   813
Commercial and industrial  91,234   326   15,889   180   107,123   506
Construction  61,246   -   63,605   -   124,851   -
Mortgage  168,735   2,092   7,655   131   176,390   2,223
Legacy  -   -   95,008   -   95,008   -
Covered loans  1,813   -   -   -   1,813   -
Total Popular, Inc.$ 567,779 $ 3,043 $ 292,348 $ 665 $ 860,127 $ 3,708

For the six months ended June 30, 2012
  Puerto Rico U.S. Mainland Popular, Inc.
 Average Interest Average Interest Average Interest
 recorded income recorded income recorded income
(In thousands)investment recognized investment recognized investment recognized
Commercial multi-family$ 13,202 $ - $ 10,483 $ 101 $ 23,685 $ 101
Commercial real estate non-owner occupied  58,121   357   63,815   814   121,936   1,171
Commercial real estate owner occupied  198,318   773   39,044   -   237,362   773
Commercial and industrial  124,974   620   26,547   37   151,521   657
Construction  49,924   107   22,364   -   72,288   107
Mortgage  395,853   11,840   52,245   977   448,098   12,817
Legacy  -   -   41,970   65   41,970   65
Leasing  5,681   -   -   -   5,681   -
Consumer                 
Credit cards  38,669   -   -   -   38,669   -
Personal   91,828   -   -   -   91,828   -
Auto   57   -   62   -   119   -
Other  4,387   -   2,386   -   6,773   -
Covered loans  79,783   -   -   -   79,783   -
Total Popular, Inc.$ 1,060,797 $ 13,697 $ 258,916 $ 1,994 $ 1,319,713 $ 15,691

For the six months ended June 30, 2011
  Puerto Rico U.S. Mainland Popular, Inc.
 Average Interest Average Interest Average Interest
 recorded income recorded income recorded income
(In thousands)investment recognized investment recognized investment recognized
Commercial multi-family$ 13,023 $ - $ 6,013 $ - $ 19,036 $ -
Commercial real estate non-owner occupied  36,187   389   89,107   114   125,294   503
Commercial real estate owner occupied  187,388   905   15,895   423   203,283   1,328
Commercial and industrial  90,918   578   14,038   211   104,956   789
Construction  62,730   49   97,611   124   160,341   173
Mortgage  152,893   4,006   5,103   229   157,996   4,235
Legacy  -   -   67,468   28   67,468   28
Consumer                 
Covered loans  1,209   -   -   -   1,209   -
Total Popular, Inc.$ 544,348 $ 5,927 $ 295,235 $ 1,129 $ 839,583 $ 7,056
Troubled Debt Restructurings Loan Count By Type Of Modification Table [Text Block]
 Puerto Rico
 For the quarter ended June 30, 2012 For the six months ended June 30, 2012
 Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther
Commercial real estate non-owner occupied - 1 - -  2 4 - -
Commercial real estate owner occupied 4 7 - -  6 15 - -
Commercial and industrial 8 22 - -  25 53 - -
Construction - - - -  1 1 - -
Mortgage 125 42 459 65  161 83 794 110
Leasing - 34 - -  - 62 - -
Consumer - - - -  - - - -
Credit cards 410 - - 334  957 - - 674
Personal 281 12 - -  670 21 - -
Auto - 1 - -  - 1 2 -
Other 14 - - -  25 - - -
Total 842 119 459 399  1,847 240 796 784

 U.S. Mainland
 For the quarter ended June 30, 2012 For the six months ended June 30, 2012
 Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther
Commercial real estate non-owner occupied 1 - - -  1 - - 1
Construction - - - -  - - - 1
Mortgage 1 - 23 -  3 - 48 -
Legacy 1 - - -  1 - - 2
Consumer - - - -  - - - -
HELOCs - - 1 -  - - 1 -
Total 3 - 24 -  5 - 49 4

 Popular, Inc.
 For the quarter ended June 30, 2012 For the six months ended June 30, 2012
 Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther
Commercial real estate non-owner occupied 1 1 - -  3 4 - 1
Commercial real estate owner occupied 4 7 - -  6 15 - -
Commercial and industrial 8 22 - -  25 53 - -
Construction - - - -  1 1 - 1
Mortgage 126 42 482 65  164 83 842 110
Legacy 1 - - -  1 - - 2
Leasing - 34 - -  - 62 - -
Consumer:         
Credit cards 410 - - 334  957 - - 674
HELOCs - - 1 -  - - 1 -
Personal 281 12 - -  670 21 - -
Auto - 1 - -  - 1 2 -
Other 14 - - -  25 - - -
Total 845 119 483 399  1,852 240 845 788
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
Puerto Rico
For the quarter ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 1$ 138$ 534$ 4
Commercial real estate owner occupied 11  4,481  4,070  1
Commercial and industrial 30  18,392  18,061  229
Mortgage 691  91,292  94,681  2,335
Leasing 34  499  481  53
Consumer       
Credit cards 744  6,296  6,981  4
Personal 293  4,290  4,285  782
Auto 1  3  3  -
Other 14  34  33  -
Total 1,819$ 125,425$ 129,129$ 3,408

U.S. Mainland
For the quarter ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 1$ 2,252$ 1,991$ 184
Mortgage 24  2,382  2,314  357
Legacy 1  321  316  (3)
Consumer       
HELOCs 1  150  134  (1)
Total 27$ 5,105$ 4,755$ 537

Popular, Inc.
For the quarter ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 2$ 2,390$ 2,525$ 188
Commercial real estate owner occupied 11  4,481  4,070  1
Commercial and industrial 30  18,392  18,061  229
Mortgage 715  93,674  96,995  2,692
Legacy 1  321  316  (3)
Leasing 34  499  481  53
Consumer       
Credit cards 744  6,296  6,981  4
HELOCs 1  150  134  (1)
Personal 293  4,290  4,285  782
Auto 1  3  3  -
Other 14  34  33  -
Total 1,846$ 130,530$ 133,884$ 3,945

Puerto Rico
For the six months ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 6$ 2,690$ 3,090$ (969)
Commercial real estate owner occupied 21  7,693  7,282  (38)
Commercial and industrial 78  24,764  24,434  250
Construction 2  1,097  1,097  52
Mortgage 1,148  153,208  157,191  6,978
Leasing 62  1,009  966  103
Consumer       
Credit cards 1,631  13,521  15,347  44
Personal 691  9,079  9,080  1,501
Auto 3  47  27  (1)
Other 25  75  74  -
Total 3,667$ 213,183$ 218,588$ 7,920

U.S. mainland
For the six months ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 2$ 5,796$ 5,536$ 184
Construction 1  1,573  1,573  -
Mortgage 51  5,403  5,425  834
Legacy 3  1,272  1,267  (3)
Consumer       
HELOCs 1  150  134  (1)
Total 58$ 14,194$ 13,935$ 1,014

Popular, Inc.
For the six months ended June 30, 2012
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied 8$ 8,486  8,626$ (785)
Commercial real estate owner occupied 21  7,693  7,282  (38)
Commercial and industrial 78  24,764  24,434  250
Construction 3  2,670  2,670  52
Mortgage 1,199  158,611  162,616  7,812
Legacy 3  1,272  1,267  (3)
Leasing 62  1,009  966  103
Consumer       
Credit cards 1,631  13,521  15,347  44
HELOCs 1  150  134  (1)
Personal 691  9,079  9,080  1,501
Auto 3  47  27  (1)
Other 25  75  74  -
Total 3,725$ 227,377$ 232,523$ 8,934
T D R Loans Subsequent Default Table [Text Block]
Puerto Rico
 Defaulted during the quarter ended June 30, 2012 Defaulted during the six months ended June 30, 2012
(Dollars In thousands)Loan countRecorded investment as of period end Loan countRecorded investment as of period end
Commercial real estate non-owner occupied 2$ 1,791  3$ 3,561
Commercial real estate owner occupied 6  3,186  15  15,619
Commercial and industrial 4  3,843  12  4,918
Mortgage 165  25,332  324  48,420
Leasing 4  43  13  412
Consumer       
Credit cards 241  1,795  481  3,842
Personal 92  650  189  1,392
Auto 1  16  1  16
Other -  -  1  1
Total 515$ 36,656  1,039$ 78,181

U.S. Mainland
 Defaulted during the quarter ended June 30, 2012 Defaulted during the six months ended June 30, 2012
(Dollars In thousands)Loan countRecorded investment as of period end Loan countRecorded investment as of period end
Commercial real estate non-owner occupied -  -  1$ 1,935
Mortgage 3$ 319  6  732
Total 3$ 319  7$ 2,667

Popular, Inc.
 Defaulted during the quarter ended June 30, 2012 Defaulted during the six months ended June 30, 2012
(Dollars In thousands)Loan count Recorded investment as of period end Loan count Recorded investment as of period end
Commercial real estate non-owner occupied 2$ 1,791  4$ 5,496
Commercial real estate owner occupied 6  3,186  15  15,619
Commercial and industrial 4  3,843  12  4,918
Mortgage 168  25,651 - 330  49,152
Legacy 4  43  13  412
Consumer       
Credit cards 241  1,795  481  3,842
Personal 92  650  189  1,392
Auto 1  16  1  16
Other -  -  1  1
Total 518$ 36,975  1,046$ 80,848
Financing Receivable Credit Quality Indicators Table Text Block
June 30, 2012
    Special        Pass/  
(In thousands)WatchMentionSubstandardDoubtfulLossSub-totalUnratedTotal
Puerto Rico[1]                
Commercial multi-family$ 287$ 680$ 15,313$ -$ -$ 16,280$ 99,964$ 116,244
Commercial real estate non-owner occupied  137,245  146,922  239,331  2,741  -  526,239  753,269  1,279,508
Commercial real estate owner occupied  186,916  171,420  660,891  2,043  -  1,021,270  1,055,206  2,076,476
Commercial and industrial  330,095  245,339  455,750  3,201  1,025  1,035,410  1,655,642  2,691,052
 Total Commercial  654,543  564,361  1,371,285  7,985  1,025  2,599,199  3,564,081  6,163,280
Construction  1,021  31,922  63,702  1,298  -  97,943  103,821  201,764
Mortgage  -  -  572,893  -  -  572,893  4,241,328  4,814,221
Leasing  -  -  3,492  -  1,552  5,044  532,873  537,917
Consumer:                
 Credit cards  -  -  23,639  -  -  23,639  1,172,495  1,196,134
 Home equity lines of credit  -  -  1,236  -  3,512  4,748  13,833  18,581
 Personal  -  -  9,427  -  173  9,600  1,199,832  1,209,432
 Auto  -  -  6,055  -  -  6,055  532,600  538,655
 Other   -  -  1,796  -  -  1,796  234,451  236,247
 Total Consumer  -  -  42,153  -  3,685  45,838  3,153,211  3,199,049
Total Puerto Rico$ 655,564$ 596,283$ 2,053,525$ 9,283$ 6,262$ 3,320,917$ 11,595,314$ 14,916,231
U.S. mainland                
Commercial multi-family$ 61,306$ 9,355$ 79,293$ -$ -$ 149,954$ 605,726$ 755,680
Commercial real estate non-owner occupied  128,954  58,219  240,482  -  -  427,655  917,851  1,345,506
Commercial real estate owner occupied  22,876  13,576  129,783  -  -  166,235  393,328  559,563
Commercial and industrial  31,160  14,068  72,921  -  -  118,149  660,637  778,786
 Total Commercial  244,296  95,218  522,479  -  -  861,993  2,577,542  3,439,535
Construction  1,515  -  33,184  -  -  34,699  13,280  47,979
Mortgage  -  -  32,871  -  -  32,871  1,052,881  1,085,752
Legacy  28,577  36,970  115,010  -  -  180,557  329,272  509,829
Consumer                
 Credit cards  -  -  398  -  3  401  13,333  13,734
 Home equity lines of credit  -  -  3,476  -  5,217  8,693  497,819  506,512
 Personal  -  -  1,039  -  627  1,666  141,895  143,561
 Auto  -  -  35  -  9  44  1,200  1,244
 Other   -  -  15  -  -  15  1,417  1,432
 Total Consumer  -  -  4,963  -  5,856  10,819  655,664  666,483
Total U.S. mainland$ 274,388$ 132,188$ 708,507$ -$ 5,856$ 1,120,939$ 4,628,639$ 5,749,578
Popular, Inc.                 
Commercial multi-family$ 61,593$ 10,035$ 94,606$ -$ -$ 166,234$ 705,690$ 871,924
Commercial real estate non-owner occupied  266,199  205,141  479,813  2,741  -  953,894  1,671,120  2,625,014
Commercial real estate owner occupied  209,792  184,996  790,674  2,043  -  1,187,505  1,448,534  2,636,039
Commercial and industrial  361,255  259,407  528,671  3,201  1,025  1,153,559  2,316,279  3,469,838
 Total Commercial  898,839  659,579  1,893,764  7,985  1,025  3,461,192  6,141,623  9,602,815
Construction  2,536  31,922  96,886  1,298  -  132,642  117,101  249,743
Mortgage  -  -  605,764  -  -  605,764  5,294,209  5,899,973
Legacy  28,577  36,970  115,010  -  -  180,557  329,272  509,829
Leasing  -  -  3,492  -  1,552  5,044  532,873  537,917
Consumer                
 Credit cards  -  -  24,037  -  3  24,040  1,185,828  1,209,868
 Home equity lines of credit  -  -  4,712  -  8,729  13,441  511,652  525,093
 Personal  -  -  10,466  -  800  11,266  1,341,727  1,352,993
 Auto  -  -  6,090  -  9  6,099  533,800  539,899
 Other   -  -  1,811  -  -  1,811  235,868  237,679
 Total Consumer  -  -  47,116  -  9,541  56,657  3,808,875  3,865,532
Total Popular, Inc.$ 929,952$ 728,471$ 2,762,032$ 9,283$ 12,118$ 4,441,856$ 16,223,953$ 20,665,809
                  
The following table presents the weighted average obligor risk rating at June 30, 2012 for those classifications that consider a range of rating scales.
                  
Weighted average obligor risk rating(Scales 11 and 12)   (Scales 1 through 8)
Puerto Rico:[1]    Substandard      Pass  
Commercial multi-family      11.93        5.31  
Commercial real estate non-owner occupied      11.26        7.10  
Commercial real estate owner occupied      11.55        6.91  
Commercial and industrial      11.36        6.69  
 Total Commercial      11.44        6.83  
Construction      11.77        7.92  
                  
U.S. mainland:    Substandard      Pass  
Commercial multi-family      11.28        7.14  
Commercial real estate non-owner occupied      11.38        7.02  
Commercial real estate owner occupied      11.31        6.94  
Commercial and industrial      11.28        6.87  
 Total Commercial      11.33        6.83  
Construction      11.36        7.24  
Legacy      11.39        7.45  

December 31, 2011
    Special        Pass/  
(In thousands)WatchMentionSubstandardDoubtfulLossSub-totalUnratedTotal
Puerto Rico[1]                
Commercial multi-family$ 420$ 698$ 11,848$ -$ -$ 12,966$ 110,150$ 123,116
Commercial real estate non-owner occupied  177,523  134,266  210,596  2,886  -  525,271  736,235  1,261,506
Commercial real estate owner occupied  201,375  192,591  680,912  4,631  -  1,079,509  1,151,917  2,231,426
Commercial and industrial  248,188  282,935  439,853  3,326  1,458  975,760  1,878,774  2,854,534
 Total Commercial  627,506  610,490  1,343,209  10,843  1,458  2,593,506  3,877,076  6,470,582
Construction  2,245  27,820  69,562  1,586  -  101,213  59,728  160,941
Mortgage  -  -  626,771  -  -  626,771  4,062,712  4,689,483
Leasing  -  -  1,365  -  4,277  5,642  543,064  548,706
Consumer                
 Credit cards  -  -  26,373  -  -  26,373  1,189,447  1,215,820
 Home equity lines of credit  -  -  1,757  -  3,456  5,213  14,838  20,051
 Personal  -  -  8,523  -  559  9,082  974,106  983,188
 Auto  -  -  6,830  -  -  6,830  509,434  516,264
 Other   -  -  10,165  -  -  10,165  224,939  235,104
 Total Consumer  -  -  53,648  -  4,015  57,663  2,912,764  2,970,427
Total Puerto Rico$ 629,751$ 638,310$ 2,094,555$ 12,429$ 9,750$ 3,384,795$ 11,455,344$ 14,840,139
U.S. mainland                
Commercial multi-family$ 71,335$ 8,230$ 69,400$ -$ -$ 148,965$ 536,852$ 685,817
Commercial real estate non-owner occupied  192,080  48,085  231,266  -  -  471,431  932,562  1,403,993
Commercial real estate owner occupied  21,109  20,859  146,367  -  -  188,335  397,505  585,840
Commercial and industrial  30,020  26,131  102,607  -  -  158,758  668,337  827,095
 Total Commercial  314,544  103,305  549,640  -  -  967,489  2,535,256  3,502,745
Construction  3,202  10,609  54,096  -  -  67,907  11,091  78,998
Mortgage  -  -  37,236  -  -  37,236  791,741  828,977
Legacy  34,233  38,724  148,629  -  -  221,586  426,823  648,409
Consumer                
 Credit cards  -  -  735  -  -  735  13,474  14,209
 Home equity lines of credit  -  -  4,774  -  6,590  11,364  526,479  537,843
 Personal  -  -  128  -  93  221  147,184  147,405
 Auto  -  -  6  -  28  34  2,178  2,212
 Other   -  -  24  -  -  24  1,635  1,659
 Total Consumer  -  -  5,667  -  6,711  12,378  690,950  703,328
Total U.S. mainland$ 351,979$ 152,638$ 795,268$ -$ 6,711$ 1,306,596$ 4,455,861$ 5,762,457
Popular, Inc.                 
Commercial multi-family$ 71,755$ 8,928$ 81,248$ -$ -$ 161,931$ 647,002$ 808,933
Commercial real estate non-owner occupied  369,603  182,351  441,862  2,886  -  996,702  1,668,797  2,665,499
Commercial real estate owner occupied  222,484  213,450  827,279  4,631  -  1,267,844  1,549,422  2,817,266
Commercial and industrial  278,208  309,066  542,460  3,326  1,458  1,134,518  2,547,111  3,681,629
 Total Commercial  942,050  713,795  1,892,849  10,843  1,458  3,560,995  6,412,332  9,973,327
Construction  5,447  38,429  123,658  1,586  -  169,120  70,819  239,939
Mortgage  -  -  664,007  -  -  664,007  4,854,453  5,518,460
Legacy  34,233  38,724  148,629  -  -  221,586  426,823  648,409
Leasing  -  -  1,365  -  4,277  5,642  543,064  548,706
Consumer                
 Credit cards  -  -  27,108  -  -  27,108  1,202,921  1,230,029
 Home equity lines of credit  -  -  6,531  -  10,046  16,577  541,317  557,894
 Personal  -  -  8,651  -  652  9,303  1,121,290  1,130,593
 Auto  -  -  6,836  -  28  6,864  511,612  518,476
 Other   -  -  10,189  -  -  10,189  226,574  236,763
 Total Consumer  -  -  59,315  -  10,726  70,041  3,603,714  3,673,755
Total Popular, Inc.$ 981,730$ 790,948$ 2,889,823$ 12,429$ 16,461$ 4,691,391$ 15,911,205$ 20,602,596
                  
The following table presents the weighted average obligor risk rating at December 31, 2011 for those classifications that consider a range of rating scales.
                  
Weighted average obligor risk rating(Scales 11 and 12)   (Scales 1 through 8)
Puerto Rico:[1]    Substandard      Pass  
Commercial multi-family      11.91        5.92  
Commercial real estate non-owner occupied      11.23        7.16  
Commercial real estate owner occupied      11.56        6.85  
Commercial and industrial      11.40        6.62  
 Total Commercial      11.46        6.79  
Construction      11.76        7.84  
                  
U.S. mainland:    Substandard      Pass  
Commercial multi-family      11.20        7.09  
Commercial real estate non-owner occupied      11.35        7.00  
Commercial real estate owner occupied      11.41        7.04  
Commercial and industrial      11.38        6.85  
 Total Commercial      11.35        6.99  
Construction      11.78        7.52  
Legacy      11.45        7.47