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 Balance Shee= t   Income State= . 
------=_NextPart_01C9068E.4472D9B0 Content-Location: file:///C:/F1764A33/mortgage_institutions_files/sheet001.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" OCIF PR - Mortgage Institutions in P.R.
Balanc= e Sheet
Mortga= ge Institutions
December 31
Amounts in thousands of $ Q2-2008   2007   2006   2005   2004   2003   1998
ASSETS
Cash in hand and Banks  $       98,145  $          341,940  $          271,843  $             596,962  $            810,296  $          239,071  $47,451
Loans and = Lease financing receivables (net of unearned income)      2,844,364           2,839,725           2,576,696              5,680,805             5,841,711      =      4,089,737 #######
Less Allowance for Loan and Lease Losses        =    40,796        =          27,194        =          15,215                       6,373                      6,019         =            6,998 4,227
Net Loans and Leases receivables      2,803,568           2,812,531           2,561,481              5,674,432             5,835,692           4,082,739 #= ######
Other Current Assets         583,344      =      1,064,865       =        676,473      =         1,237,173      =        1,265,534      =      1,369,365 310,524
Total Current Assets 3,485,057 4,219,336 3,509,797 7,508,567 7,911,522 5,691,175 #######
Securities         602,481       =        408,541       =        722,795       =           819,006      =        1,282,610      =      1,737,894 959,833
Premises and Fixed Assets        =    33,838        =          33,340        =          40,624                    44,979        =            36,169        =           26,793 22,551
Other Real Estate Owned        =    67,222        =          64,448        =          66,732                    43,948        =            36,142        =           34,069 3,231
Mortgage Servicing Rights        =    76,782        =          90,803       =        240,892       =           221,788       =           215,652       =         207,517 129,082
Other Assets      1,481,808      =      1,100,260      =      1,625,336      =         1,379,067      =        1,493,986      =      1,176,436 363,246
Total Assets  $ 5,747,188  $ 5,916,728  $ 6,206,176  $ 10,017,355  $10,976,081  $ 8,873,884 #######
LIABILIT= IES
Accounts Payable and Accrued Liabilities         339,661       =        363,868       =        460,193       =           555,826  $            526,617  $          532,202 #######
Loans Payable
Banks      1,627,463      =      1,871,460      =      1,464,933      =         1,362,588      =        1,430,795      =      1,220,902 747,601
Parent Company         642,753       =        508,265       =        595,797       =           566,972       =           606,766       =         409,096 270,684
Others         100,296       =        110,169       =        809,600       =           644,469       =           367,793       =         935,250 #######
Other Accounts Payable           85,301                 42,929              171,584       =           186,151                 218,590               288,880 228,635
Total Current Liabilities 2,795,474 2,896,691 3,502,107 3,316,006 3,150,561 3,386,330 #######
Long Term Liabilities      1,389,174      =      1,293,557      =      1,011,968      =         4,502,426      =        5,485,446      =      3,394,432 72,422
Total Liabilities 4,184,648 4,190,248 4,514,075 7,818,432 8,636,007 6,780,762 #######
 
CAPITAL<= /td>
Owner's Capital         =     5,837         =            5,672         =            6,512                          250                          250         =            2,839 251
Stockholders Equity 
Common Stock        =    19,242        =          23,021       =        131,317       =           131,333       =           131,569       =         128,583 54,532
Preferred Stock        =    44,473        =          42,473        =          36,935                    34,683        =            34,433        =           35,555 2,233
Additional Paid in Capital      1,614,462      =      1,571,864      =      1,191,252      =         1,291,473      =        1,350,991      =      1,345,038 215,088
Retained Earnings       (121,474)        =          83,450       =        326,085       =           741,184       =           822,831       =         581,107 336,981
Total Capital 1,562,540 1,726,480 1,692,101 2,198,923 2,340,074 2,093,122 609,085
     
Total Liabilities and Capital  $ 5,747,188  $ 5,916,728  $ 6,206,176  $ 10,017,355  $10,976,081  $ 8,873,884 #= ######
1. Includes companies organized under the Mortgage Instituti= ons Act (Act No. 97 of 1973).
2. The affiliates or subsidiaries of the Domestic Commercial Banks operating in Puerto Rico reached $5,450 million, or 94.82%, of the segment’s assets as of June 30, 2008.
=
2003                      2,093
2004                      2,340
2005                      2,199
2006                      1,692
2007 1726
Q2-2008 1563
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Income Statement 
Mortga= ge Institutions
December 31
Amounts in thousands of $ Q2-2008   2007   2006   2005   2004   2003  
INTEREST= INCOME
Interest and fee income on Loans:
Loans Secured b= y Real Estate  $      105,231  $       219,580  $       298,067  $     406,442  $     366,817  $     301,142
Commercial and = Industrial Loans         =       2,412         =         4,660         =         4,622         =       2,932         =       2,101           =           49
Loans to individuals for household, family             =            -  
and other personal expenditures                  179                       72         =         3,871        =     17,518            16,113            18,038
Interest and Dividend Income on Securities 
and Obligations              41,724              88,785               90,458         146,489         128,053 =         128,165
TOTAL INTEREST INCOME          149,546           313,097            397,018         573,381         513,084 447,394
NON INTE= REST INCOME
Other Fee Income=          =      48,184        =       15,194        =         (7,511)         163,885         265,433         167,340
Net Gains on Sale of Loans             47,411              64,095               62,960         127,254               8,305         132,208
All Other Non Interest Income           =          61                       81          =            100           =           89          =         195          =         234
TOTAL NON INTEREST INCOME 95,656 79,370 55,549 291,228 273,933 299,782
TOTAL IN= COME 245= ,202 392= ,467 452= ,567 864= ,609 787= ,017 747= ,176
EXPENSES=
Interest Paid        =      85,519       =     239,546       =      303,658         386,176         238,136         209,222
Salaries and Employee Benefits        =      53,393       =     152,975       =      154,219         129,891         119,123         109,279
Taxes other than income               4,223              10,052               12,109         =       9,647            10,465               8,871