# BANCO BILBAO VIZCAYA ARGENTA
SAN JUAN, PR · FDIC certificate 19919 · asset band $1-10B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.96B | |
| Deposits | $3.44B | |
| Loans and leases | $3.70B | |
| Total equity | $616.6M | |
| Loans / deposits | 104.02% (p92 of band) | 78.16% |
| Liquid assets / assets | 20.05% (p25 of band) | |
| Uninsured deposits / deposits | 39.02% (p92 of band) | 17.84% |
| Brokered deposits | 13.25% | |
| Wholesale funding | 27.30% (p92 of band) | |
| FHLB advances / assets | 4.33% | |
| Tier 1 leverage | 9.21% (p40 of band) | 9.63% |
| Unrealized securities loss / equity | 2.33% (p31 of band) | 4.44% |
| AOCI / equity | -0.01% (p16 of band) | |
| ROA (annualized) | 0.81% (p40 of band) | 0.92% |
| Net interest margin | 4.06% (p74 of band) | 3.65% |
| Efficiency ratio | 60.11% (p35 of band) | |
| Noncurrent loans | 6.26% (p90 of band) | 1.75% |
| Net charge-offs (annualized) | 1.01% (p88 of band) | |
| Reserve coverage of noncurrent | 51.09% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 12.67% (p27 of band) | |
| Auto loans | $1.00B (27.05% of loans; DQ 11.59%, NCO 0.16%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 970 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent, auto book souring |  |
| 2011-06 | 5 |  | brokered >10% |
| 2011-09 | 4 |  | noncurrent p90 |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | brokered >10% |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-25 [Capital Group New Geography Equity ETF Holdings - Quiver Quantitative](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcU5EUXBvbGNfVGNBTV8zTzJ4TzNNdFlaRHZhbTZwZzExSUdiQ2RkU0RsWXVIRksxMmo5RFNSbFBZNkRsZTY4QV9oYmsyYzlzdUJqbURMb1N4Tlo5a1UzNG1tTTA1SjZjZ0huWk9sVnFRVjdRYlN2RFZWbE1rZDJnN2tQd0hVakU?oc=5) · Quiver Quantitative

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19919 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "19919", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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