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Segment reporting (Tables)

9 Months Ended

Sep. 30, 2012

Schedule Of Segment Reporting Information By Segment Text Block

For the quarter ended September 30, 2012
		Banco Popular		Banco Popular		Intersegment
(In thousands)		de Puerto Rico		North America		Eliminations
Net interest income	$	300,862	$	69,598	$	-
Provision for loan losses		92,439		13,851		-
Non-interest income		113,532		11,481		-
Amortization of intangibles		1,801		680		-
Depreciation expense		9,368		2,000		-
Loss on early extinguishment of debt		43		-		-
Other operating expenses		220,430		54,942		-
Income tax expense		17,090		937		-
Net income	$	73,223	$	8,669	$	-
Segment assets	$	27,682,822	$	8,572,541	$	(10,735)

For the quarter ended September 30, 2012
		Reportable
(In thousands)		Segments		Corporate		Eliminations		Total Popular, Inc.
Net interest income (expense)	$	370,460	$	(27,218)	$	184	$	343,426
Provision for loan losses		106,290		(82)		-		106,208
Non-interest income		125,013		7,514		(16,818)		115,709
Amortization of intangibles		2,481		-		-		2,481
Depreciation expense		11,368		303		-		11,671
Loss on early extinguishment of debt		43		-		-		43
Other operating expenses		275,372		18,197		(17,409)		276,160
Income tax expense (benefit)		18,027		(2,851)		208		15,384
Net income (loss)	$	81,892	$	(35,271)	$	567	$	47,188
Segment assets	$	36,244,628	$	5,310,533	$	(5,051,795)	$	36,503,366

For the nine months ended September 30, 2012
		Banco Popular		Banco Popular		Intersegment
(In thousands)		de Puerto Rico		North America		Eliminations
Net interest income	$	889,424	$	213,228	$	-
Provision for loan losses		281,986		43,877		-
Non-interest income		311,863		42,187		-
Amortization of intangibles		5,565		2,040		-
Depreciation expense		27,992		6,017		-
Loss on early extinguishment of debt		25,184		-		-
Other operating expenses		673,747		172,127		-
Income tax (benefit) expense		(39,281)		2,809		-
Net income	$	226,094	$	28,545	$	-

For the nine months ended September 30, 2012
		Reportable
(In thousands)		Segments		Corporate		Eliminations		Total Popular, Inc.
Net interest income (expense)	$	1,102,652	$	(81,035)	$	591	$	1,022,208
Provision for loan losses		325,863		267		-		326,130
Non-interest income		354,050		30,353		(51,062)		333,341
Amortization of intangibles		7,605		-		-		7,605
Depreciation expense		34,009		944		-		34,953
Loss on early extinguishment of debt		25,184		-		-		25,184
Other operating expenses		845,874		52,376		(51,591)		846,659
Income tax benefit		(36,472)		(10,108)		263		(46,317)
Net income (loss)	$	254,639	$	(94,161)	$	857	$	161,335

For the quarter ended September 30, 2011
		Banco Popular		Banco Popular		Intersegment
(In thousands)		de Puerto Rico		North America		Eliminations
Net interest income	$	321,586	$	73,487	$	-
Provision for loan losses		156,630		19,646		-
Non-interest income		117,626		17,711		-
Amortization of intangibles		1,783		680		-
Depreciation expense		9,133		1,901		-
Loss on early extinguishment of debt		109		-		-
Other operating expenses		210,230		59,484		-
Income tax expense		7,149		937		-
Net income	$	54,178	$	8,550	$	-

For the quarter ended September 30, 2011
		Reportable
(In thousands)		Segments		Corporate		Eliminations		Total Popular, Inc.
Net interest income (expense)	$	395,073	$	(25,992)	$	230	$	369,311
Provision for loan losses		176,276		-		-		176,276
Non-interest income		135,337		3,465		(16,412)		122,390
Amortization of intangibles		2,463		-		-		2,463
Depreciation expense		11,034		380		-		11,414
Loss on early extinguishment of debt		109		-		-		109
Other operating expenses		269,714		15,801		(17,146)		268,369
Income tax expense (benefit)		8,086		(2,873)		324		5,537
Net income (loss)	$	62,728	$	(35,835)	$	640	$	27,533

For the nine months ended September 30, 2011
		Banco Popular		Banco Popular		Intersegment
(In thousands)		de Puerto Rico		North America		Eliminations
Net interest income	$	942,198	$	222,902	$	-
Provision for loan losses		343,210		52,702		-
Non-interest income		352,497		54,255		-
Amortization of intangibles		4,933		2,040		-
Depreciation expense		27,866		5,745		-
Loss on early extinguishment of debt		637		-		-
Other operating expenses		604,626		180,419		-
Income tax expense		115,817		2,809		-
Net income	$	197,606	$	33,442	$	-

For the nine months ended September 30, 2011
		Reportable
(In thousands)		Segments		Corporate		Eliminations		Total Popular, Inc.
Net interest income (expense)	$	1,165,100	$	(78,640)	$	752	$	1,087,212
Provision for loan losses		395,912		-		-		395,912
Non-interest income		406,752		55,488		(51,322)		410,918
Amortization of intangibles		6,973		-		-		6,973
Depreciation expense		33,611		1,253		-		34,864
Loss on early extinguishment of debt		637		8,000		-		8,637
Other operating expenses		785,045		55,922		(52,237)		788,730
Income tax expense (benefit)		118,626		(4,587)		625		114,664
Net income (loss)	$	231,048	$	(83,740)	$	1,042	$	148,350

For the quarter ended September 30, 2012
Banco Popular de Puerto Rico
				Consumer		Other				Total Banco
		Commercial		and Retail		Financial				Popular de
(In thousands)		Banking		Banking		Services		Eliminations		Puerto Rico
Net interest income	$	102,394	$	195,952	$	2,516	$	-	$	300,862
Provision for loan losses		55,300		37,139		-		-		92,439
Non-interest income		13,650		74,111		25,809		(38)		113,532
Amortization of intangibles		2		1,708		91		-		1,801
Depreciation expense		4,238		4,886		244		-		9,368
Loss on early extinguishment of debt		43		-		-		-		43
Other operating expenses		69,040		135,179		16,249		(38)		220,430
Income tax (benefit) expense		(6,007)		20,119		2,978		-		17,090
Net (loss) income	$	(6,572)	$	71,032	$	8,763	$	-	$	73,223
Segment assets	$	12,916,405	$	19,835,054	$	603,436	$	(5,672,073)	$	27,682,822

For the nine months ended September 30, 2012
Banco Popular de Puerto Rico
				Consumer		Other				Total Banco
		Commercial		and Retail		Financial				Popular de
(In thousands)		Banking		Banking		Services		Eliminations		Puerto Rico
Net interest income	$	311,671	$	568,154	$	9,595	$	4	$	889,424
Provision for loan losses		111,723		170,263		-		-		281,986
Non-interest income		32,660		196,228		83,079		(104)		311,863
Amortization of intangibles		12		5,126		427		-		5,565
Depreciation expense		12,610		14,662		720		-		27,992
Loss on early extinguishment of debt		7,905		17,279		-		-		25,184
Other operating expenses		204,289		418,323		51,239		(104)		673,747
Income tax (benefit) expense		(26,397)		(23,240)		10,354		2		(39,281)
Net income	$	34,189	$	161,969	$	29,934	$	2	$	226,094

For the quarter ended September 30, 2011
Banco Popular de Puerto Rico
				Consumer		Other				Total Banco
		Commercial		and Retail		Financial				Popular de
(In thousands)		Banking		Banking		Services		Eliminations		Puerto Rico
Net interest income	$	128,265	$	190,093	$	3,216	$	12	$	321,586
Provision for loan losses		109,364		47,266		-		-		156,630
Non-interest income		40,653		48,201		28,818		(46)		117,626
Amortization of intangibles		26		1,599		158		-		1,783
Depreciation expense		4,173		4,716		244		-		9,133
Loss on early extinguishment of debt		109		-		-		-		109
Other operating expenses		62,135		131,434		16,704		(43)		210,230
Income tax (benefit) expense		(5,652)		8,644		4,153		4		7,149
Net (loss) income	$	(1,237)	$	44,635	$	10,775	$	5	$	54,178

For the nine months ended September 30, 2011
Banco Popular de Puerto Rico
				Consumer		Other				Total Banco
		Commercial		and Retail		Financial				Popular de
(In thousands)		Banking		Banking		Services		Eliminations		Puerto Rico
Net interest income	$	386,684	$	547,257	$	8,164	$	93	$	942,198
Provision for loan losses		241,550		101,660		-		-		343,210
Non-interest income		127,992		149,609		74,883		13		352,497
Amortization of intangibles		78		4,389		466		-		4,933
Depreciation expense		12,717		14,430		719		-		27,866
Loss on early extinguishment of debt		637		-		-		-		637
Other operating expenses		177,400		380,017		47,350		(141)		604,626
Income tax expense		52,338		54,007		9,375		97		115,817
Net income	$	29,956	$	142,363	$	25,137	$	150	$	197,606

For the quarter ended September 30, 2012
Banco Popular North America
(In thousands)		Banco Popular North America		E-LOAN		Eliminations		Total Banco Popular North America
Net interest income	$	68,639	$	959	$	-	$	69,598
Provision for loan losses		8,294		5,557		-		13,851
Non-interest income		9,470		2,011		-		11,481
Amortization of intangibles		680		-		-		680
Depreciation expense		2,000		-		-		2,000
Other operating expenses		54,430		512		-		54,942
Income tax expense		937		-		-		937
Net income ( loss)	$	11,768	$	(3,099)	$	-	$	8,669
Segment assets	$	9,298,408	$	381,463	$	(1,107,330)	$	8,572,541

For the nine months ended September 30, 2012
Banco Popular North America
		Banco Popular						Total Banco Popular North
(In thousands)		North America		E-LOAN		Eliminations		America
Net interest income	$	210,705	$	2,523	$	-	$	213,228
Provision for loan losses		31,180		12,697		-		43,877
Non-interest income		39,207		2,980		-		42,187
Amortization of intangibles		2,040		-		-		2,040
Depreciation expense		6,017		-		-		6,017
Other operating expenses		169,976		2,151		-		172,127
Income tax expense		2,809		-		-		2,809
Net income (loss)	$	37,890	$	(9,345)	$	-	$	28,545

For the quarter ended September 30, 2011
Banco Popular North America
								Total Banco
		Banco Popular						Popular North
(In thousands)		North America		E-LOAN		Eliminations		America
Net interest income	$	72,806	$	681	$	-	$	73,487
Provision for loan losses		15,668		3,978		-		19,646
Non-interest income		17,481		230		-		17,711
Amortization of intangibles		680		-		-		680
Depreciation expense		1,901		-		-		1,901
Other operating expenses		58,139		1,345		-		59,484
Income tax expense		937		-		-		937
Net income (loss)	$	12,962	$	(4,412)	$	-	$	8,550

For the nine months ended September 30, 2011
Banco Popular North America
								Total Banco
		Banco Popular						Popular North
(In thousands)		North America		E-LOAN		Eliminations		America
Net interest income	$	221,307	$	1,595	$	-	$	222,902
Provision for loan losses		34,579		18,123		-		52,702
Non-interest income		53,209		1,046		-		54,255
Amortization of intangibles		2,040		-		-		2,040
Depreciation expense		5,745		-		-		5,745
Other operating expenses		172,179		8,240		-		180,419
Income tax expense		2,809		-		-		2,809
Net income (loss)	$	57,164	$	(23,722)	$	-	$	33,442

Schedule Of Revenue From External Customers Attributed To Foreign Countries By Geographic Area Text Block

Geographic Information
		Quarter ended				Nine months ended
(In thousands)		September 30, 2012		September 30, 2011		September 30, 2012		September 30, 2011
Revenues:^[1]
Puerto Rico	$	360,354	$	383,184	$	1,043,677	$	1,166,524
United States		74,248		85,269		238,490		261,482
Other		24,533		23,248		73,382		70,124
Total consolidated revenues	$	459,135	$	491,701	$	1,355,549	$	1,498,130

Schedule Of Selected Balance Sheet Information By Geographical Area Table [Text Block]

Selected Balance Sheet Information:
(In thousands)		September 30, 2012		December 31, 2011
Puerto Rico
Total assets	$	26,533,351	$	27,410,644
Loans		18,315,321		18,594,751
Deposits		19,334,183		20,696,606
United States
Total assets	$	8,787,390	$	8,708,709
Loans		5,837,485		5,845,359
Deposits		6,022,331		6,151,959
Other
Total assets	$	1,182,625	$	1,229,079
Loans		841,963		874,282
Deposits ^[1]		962,985		1,093,562
[1] Represents deposits from BPPR operations located in the U.S. and British Virgin Islands.

- Definition

Tabular disclosure of the names of foreign countries from which revenue is material and the amount of revenue from external customers attributed to those countries. An entity may also provide subtotals of geographic information about groups of countries.

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- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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