FR BHCPR

Board of Governors of the Federal Reserve System

Bank Holding Company Performance Report June 30, 2009
BHC Name

BBVA USA BANCSHARES, INC.

City/State

HOUSTON, TX

Bank Holding Company Information

Table of Contents

RSSD Number: 1078529

Section

Federal Reserve District: 6
Consolidated Assets ($000): 59,466,375
Peer Group Number: 1
Number in Peer Group:
Number of Bank Subsidiaries: 2
Peer Group
Number

1
2
3
4
5
6
7
9

Page Number

Summary Ratios ................................................................................................................................. 1
75

Description

Consolidated assets equal to or greater than $10 billion
Consolidated assets between $3 billion and $10 billion
Consolidated assets between $1 billion and $3 billion
Consolidated assets between $500 million and $1 billion
Consolidated assets less than $500 million (starting March 2006 includes former
peer group 6)
Consolidated assets less than $300 million (valid only prior to March 2006. Starting March
2003 includes former peer group 7)
Consolidated assets less than $150 million (valid only prior to March 2003)
Atypical and second-tier bank holding companies

ADDRESS:
BBVA USA BANCSHARES, INC.
10001 WOODLOCH FOREST DR.
SUITE 610
THE WOODLANDS, TX 77380

NOTE: This report, which is prepared by the Federal Reserve Board's Division of Banking Supervision and Regulation, is used by the Federal Reserve System in carrying out its supervisory responsibilities. All information contained herein was obtained from sources deemed reliable. However, no
guarantee is given as to the accuracy of the data or of the calculations derived therefrom. The data
and calculations in this report do not indicate approval or disapproval of any particular institution's
performance and are not to be construed as a rating of any institution by the Federal Reserve
System. Users are cautioned that any conclusions drawn from this report are their own and are
not to be attributed to the Federal Reserve System. Questions regarding the contents of this report
should be directed to the nearest Federal Reserve Bank.

CONSOLIDATED INFORMATION:
Income Statement - Revenues and Expenses ............................................................................ 2
Relative Income Statement and Margin Analysis ........................................................................ 3
Non-Interest Income and Expenses ............................................................................................ 4
Assets.......................................................................................................................................... 5
Liabilities and Changes in Capital ............................................................................................... 6
Percent Composition of Assets ................................................................................................... 7
Loan Mix and Analysis of Concentrations of Credit ...................................................................7A
Liquidity and Funding .................................................................................................................. 8
Derivatives and Off-Balance-Sheet Transactions........................................................................ 9
Derivative Instruments............................................................................................................... 10
Derivatives Analysis .................................................................................................................. 11
Allowance and Net Loan and Lease Losses ............................................................................. 12
Past Due and Nonaccrual Assets .............................................................................................. 13
Past Due and Nonaccrual Loans and Leases .........................................................................13A
Past Due and Nonaccrual Loans and Leases—Continued .....................................................13B
Risk-Based Capital .................................................................................................................... 14
Insurance and Broker-Dealer Activities ..................................................................................... 15
Foreign Activities ....................................................................................................................... 16
Servicing, Securitization and Asset Sale Activities–Part 1 ........................................................ 17
Servicing, Securitization and Asset Sale Activities–Part 2 ........................................................ 18
Servicing, Securitization and Asset Sale Activities–Part 3 ........................................................ 19
PARENT COMPANY INFORMATION:
Parent Company Income Statement ......................................................................................... 20
Parent Company Balance Sheet ............................................................................................... 21
Parent Company Analysis–Part 1.............................................................................................. 22
Parent Company Analysis–Part 2.............................................................................................. 23
Public versions of individual BHC reports are available on the FFIEC web site: www.ffiec.gov/
nicpubweb/nicweb/nichome.aspx. For information on ordering individual or peer group reports or the
User's Guide, contact the Board of Governors of the Federal Reserve System, Publications Services
at (202) 452-3245.

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 1

FR Dist: 6

Peer: 1

Summary Ratios

06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

61,034,800
98,208
75

Average assets ($000)............................................................................................  
Net income ($000)...................................................................................................
Number of BHCs in peer group...............................................................................

EARNINGS AND PROFITABILITY
PERCENT OF AVERAGE ASSETS:
Net interest income (TE)....................................................................................
+ Non-interest income.......................................................................................
– Overhead expense.........................................................................................
– Provision for loan and lease losses................................................................
+ Securities gains (losses).................................................................................
+ Other tax equiv adjustments...........................................................................
= Pretax net oper income (TE)..........................................................................
Net operating income.........................................................................................
Net income.........................................................................................................
Net income (sub S adjusted).............................................................................
PERCENT OF AVG EARNING ASSETS:
Interest income (TE)..........................................................................................
Interest expense................................................................................................
Net interest income (TE)....................................................................................
LOSSES, ALLOW, AND PAST DUE + NONACCR:
Net Ln&Ls losses / Avg loans & leases.............................................................
Earnings coverage of net losses (X)..................................................................
Ln&Ls allowance / Total Lns&Ls not held-for-sale.............................................
Ln&Ls allowance / Total loans & leases.............................................................
Nonaccr Lns&Ls + ORE / Lns&Ls + ORE..........................................................
30–89 days PD Lns&Ls / Total Lns&Ls (confidential prior to March 2001)........
LIQUIDITY AND FUNDING:
Net noncore funding dependence......................................................................
Net ST noncore funding dependence................................................................
Net loans and leases/total assets......................................................................
CAPITALIZATION:
Tier 1 leverage ratio...........................................................................................
Equity capital / Total assets...............................................................................
Equity capital + minority int/total assets.............................................................
Net Loans&Ls / Equity capital (X)......................................................................
Cash dividends / Net income.............................................................................
Cash dividends / Net income (sub S adj)...........................................................
Retained earnings / Avg equity cap..................................................................
GROWTH RATES:
Assets................................................................................................................
Equity capital.....................................................................................................
Net loans and leases.........................................................................................
Noncore funding................................................................................................
PARENT COMPANY RATIOS:
Short-term debt / Equity capital ........................................................................
Long-term debt / Equity capital..........................................................................
Equity investment in subs / Equity cap..............................................................
Cash FR op + noncash + op exp / Op exp + div................................................

BHC

Peer 1 Pct

59,456,880
244,725
69

BHC

Peer 1 Pct

BHC

Peer 1 Pct

BHC

Peer 1 Pct

33,084,091
460,363
68

BHC

Peer 1 Pct

2.98
1.28
2.77
1.08
0.11
0.00
0.52
0.32
0.32

2.69
1.88
3.26
1.79
0.02
0.00
-0.42
-0.35
-0.43

63
40
35
34
76
44
64
64
65

3.02
1.61
2.96
0.49
0.10
0.00
1.27
0.82
0.82

2.85
1.73
3
0.87
0.00
0.00
0.75
0.48
0.47

58
54
54
37
84
50
62
61
61

2.98
1.46
4.09
0.79
0.05
0.00
-0.38
-0.63
-0.63

2.88
1.60
3.29
1.17
-0.12
0.00
-0.14
-0.23
-0.25

51
51
76
38
80
76
36
27
27

2.12
0.89
1.98
0.20
0.00
0.00
0.84
0.55
0.54

3
1.64
2.96
0.36
-0.02
0.00
1.31
0.86
0.87

13
23
16
32
40
53
25
25
25

3.40
2.16
3.14
0.27
-0.05
0.00
2.10
1.39
1.39

3.09
1.91
2.97
0.15
-0.01
0.00
1.83
1.18
1.21

66
63
57
81
14
8
68
69
66

5.01
1.25
3.77

4.68
1.64
3

64
28
77

6.46
2.55
3.92

5.86
2.64
3.20

84
44
84

6.14
2.30
3.84

5.67
2.41
3.23

81
41
81

4.63
2.09
2.54

6.82
3.44
3.34

2
4
17

6.79
3.07
3.72

6.60
3.16
3.42

62
39
59

1.23
2.01
2.20
2.19
4.02
1.60

1.96
1.91
2.51
2.43
3.73
1.41

35
61
43
43
63
57

0.61
4.79
1.63
1.62
2.01
0.89

0.79
6.50
1.50
1.45
1.64
1.08

42
62
67
68
65
47

0.81
0.76
1.90
1.89
3.10
1.41

1.10
2.64
1.88
1.82
2.42
1.58

45
27
59
61
65
51

0.21
7.34
1.62
1.61
1.21
0.83

0.38
13.40
1.25
1.22
1.08
1.03

34
50
83
85
70
40

0.32
10.09
1.18
1.18
0.28
0.50

0.23
33.33
1.14
1.11
0.57
0.81

75
35
56
57
27
28

36.68
31.02
62.05

37.45
15.64
59.41

56
77
38

36.27
31.45
58.73

42.99
26.53
62.79

40
65
28

37.94
34.01
60.86

37.52
22.45
61.91

56
76
33

35.10
28.18
57.14

41.09
26.17
63.85

37
53
25

33.02
23.71
71.17

37.63
23.42
62.66

46
49
68

8.22
21.49
21.53
2.89
0.00

8.28
9.71
9.92
6.29
76.44

40
98
98
7
6

6.74
21.89
21.93
2.68
128.72

7.48
9.13
9.46
7.25
56.44

25
98
98
5
90

6.38
20.25
20.30
3

8.29
9.24
9.52
6.96
71.23

22
98
98
5

7.06
22.96
23
2.49
0.00

7.42
9.31
9.42
7.17
50.49

40
98
98
4
3

7.61
8.25
8.30
8.63
43.43

7.79
9.22
9.34
6.97
36.79

39
33
34
79
55

1.54

-8.24

71

-1.04

0.33

30

-6.04

-7.64

39

3.27

3.67

43

9.77

8.58

60

-2.68
-4.47
2.83
-2.57

2.96
10.75
-1.52
-7.44

30
27
65
61

74.88
347.19
42.53
64.29

8.90
7.66
9.40
20.08

97
98
94
91

5.84
-6.62
12.73
11.65

8.45 48
12.10 18
6.33 79
10.33 56

71.89
378.52
38
59.84

9.64
5.41
9.86
16.28

98
98
92
95

10.99
26.30
15.49
-3.69

10.23
13.41
11.64
16.97

60
84
73
17

0.00
0.00
99.92
184.68

4.55
18.91
108.82
95.66

30
17
35
84

0.00
0.00
99.91
89.84

4.54
11.85
112.09
100.45

25
20
20
46

0.00
0.00
99.90
94.70

3.73 25
11.89 20
112.58 14
138.88 1

2.40
0.00
107.81
171.21

CURRENT QUARTER FINANCIAL STATEMENTS RESTATED DUE TO NEW OR REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS.

42,129,806
228,515
66

60,517,497
-380,826
71

3.65
11.95
105.96
95.72

28
18
35
46

0.00
0.00
99.77
-147.50

3.12 66
11.77 16
110.24 42
134.43 72

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 2

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Income Statement—Revenues and Expenses

06/30/2009
06/30/2008
12/31/2008
12/31/2007
12/31/2006

($000)
1,189,963
965,039
2,315,293
1,289,119
1,730,974
Interest and fees on loans......................................................  
52
23
0
173
1,959
Income from lease financing receivables...............................
1,727,988
1,280,303
2,299,665
1,182,540
957,542
Fully taxable income on loans and ls................................
7,446
4,945
7,497
15,680
8,989
Tax exempt income on loans and ls..................................
3,958
3,741
8,043
4,527
2,472
Est tax benefit on inc on loans & ls...................................
968,997
1,193,727
2,323,388
1,293,819
1,735,405
Income on loans and leases (TE)...............................
224,801
266,526
304,105
294,248
521,364
Investment interest income (TE)............................................
73
145
833
44
227
Interest on due from depository inst.......................................
24,355
14,757
20,572
38,050
27,880
Interest income on other earning assets................................
1,208,628
1,480,970
1,626,637
2,054,052
2,883,029
Total interest income (TE).................................................

Percent Change
1-yr
5-yr
-18.90
-100
-19.03
0.68
5.79
-18.83
-15.66
-49.66
-28.27
-18.39

114.28
-100
110.74
886.45
952.48
112.73
37.59
1,360
119.76
93.19

Interest on time deposits of $100K or more...........................
Interest on time deposits < $100K..........................................
Interest on foreign office deposits..........................................
Interest on other deposits.......................................................
Interest on other borrowings & trad liab.................................
Interest on sub debt & mand conv sec...................................
Total interest expense.......................................................

105,227
51,090
362
60,610
63,970
19,246
300,505

165,074
87,950
11,494
167,813
126,281
25,016
583,628

306,007
158,875
15,663
325,343
230,916
42,360
1,079,164

240,924
115,423
14,702
197,201
143,570
22,523
734,343

175,779
125,045
28,187
190,772
366,488
43,146
929,417

-36.25
-41.91
-96.85
-63.88
-49.34
-23.07
-48.51

487.86
73.70
-55.69
154.34
-35.76
653.56
72.62

Net interest income (TE)...................................................
Non-interest income...............................................................
Adjusted operating income (TE).......................................

908,123
391,507
1,299,630

897,342
477,251
1,374,593

1,803,865
884,048
2,687,913

892,294
376,090
1,268,384

1,124,635
713,405
1,838,040

1.20
-17.97
-5.45

101.12
36.56
76.05

Overhead expense.................................................................
Provision for loan and lease losses........................................
Securities gains (losses)........................................................
Other tax equivalent adjustments...........................................
Pretax net operating income (TE).....................................

845,496
330,765
34,172
0
157,541

881,343
145,653
29,148
0
376,745

2,472,154
476,181
31,687
1
-228,734

833,663
82,781
351
0
352,291

1,037,867
89,702
-14,889
-19
695,563

-4.07
127.09
17.24

102.06
529.33
1,448.35

-58.18

-41.53

Applicable income taxes.........................................................
Tax equivalent adjustments....................................................
Applicable income taxes (TE)...........................................
Minority interest......................................................................
Net operating income........................................................
Net extraordinary gains (losses).............................................
Net income ...........................................................................

47,510
11,187
58,697
636
98,208
0
98,208

122,040
9,964
132,004
16
244,725
0
244,725

130,074
22,002
152,076
16
-380,826
0
-380,826

109,700
11,228
120,928
-85
231,448
-2,933
228,515

227,054
8,127
235,181
19
460,363
0
460,363

-61.07
12.27
-55.53
3,875
-59.87

-47.03
530.96
-35.82

-59.87

-44.82

MEMORANDA:
Net inc–BHC & noncontrol (minourity) int...............................
Investment securities income (TE).........................................
U.S. Treasury and agency sec (excl MBS).......................
Mortgage-backed securities..............................................
All other securities............................................................

98,844
224,801
8,063
191,174
25,564

244,741
266,526
10,525
217,001
39,000

-380,810
521,364
22,112
424,864
74,388

228,430
304,105
52,816
216,600
34,689

460,382
294,248
2,851
269,156
22,241

-59.61
-15.66
-23.39
-11.90
-34.45

-44.47
37.59
191.19
23.33
355.77

Cash dividends declared........................................................
Common...........................................................................
Preferred...........................................................................

0
0
0

315,000
315,000
0

430,000
430,000
0

0
0
0

199,927
199,927
0

-100
-100

-100
-100

CURRENT QUARTER FINANCIAL STATEMENTS RESTATED DUE TO NEW OR REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS.

-44.82

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 3

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Relative Income Statement and Margin Analysis
BHC

06/30/2009
Peer 1

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

BHC

12/31/2007
Peer 1

Pct

BHC

12/31/2006
Peer 1

Pct

PERCENT OF AVERAGE ASSETS:
Interest income (TE) ...............................................................................................
Less: Interest expense...........................................................................................
Equals: Net interest income (TE) ...........................................................................
Plus: Non-interest income......................................................................................
Equals: Adj operating income (TE) ........................................................................
Less: Overhead Expense ......................................................................................
Less: Provision for loan & lease losses .................................................................
Plus: Realized G/L on HTM securities ...................................................................
Plus: Realized G/L on AFS securities ....................................................................
Plus: Other tax equiv adjustments .........................................................................
Equals: Pretax net oper income (TE).....................................................................

3.96
0.98
2.98
1.28
4.26
2.77
1.08
0.00
0.11
0.00
0.52

4.19
1.48
2.69
1.88
4.54
3.26
1.79
0.00
0.02
0.00
-0.42

27
22
63
40
46
35
34
51
75
44
64

4.98
1.96
3.02
1.61
4.62
2.96
0.49
0.00
0.10
0.00
1.27

5.22
2.36
2.85
1.73
4.62
3
0.87
0.00
0.00
0.00
0.75

28
20
58
54
55
54
37
50
84
50
62

4.76
1.78
2.98
1.46
4.44
4.09
0.79
0.00
0.05
0.00
-0.38

5.06
2.16
2.88
1.60
4.54
3.29
1.17
0.00
-0.10
0.00
-0.14

23
19
51
51
51
76
38
49
80
76
36

3.86
1.74
2.12
0.89
3.01
1.98
0.20
0.00
0.00
0.00
0.84

6.13
3.08
3
1.64
4.68
2.96
0.36
0.00
-0.02
0.00
1.31

2
1
13
23
8
16
32
49
41
53
25

6.21
2.81
3.40
2.16
5.56
3.14
0.27
0.00
-0.05
0.00
2.10

5.95
2.85
3.09
1.91
4.97
2.97
0.15
0.00
-0.01
0.00
1.83

68
46
66
63
69
57
81
50
14
8
68

Less: Applicable income taxes (TE).......................................................................
Less: Minority interest ............................................................................................
Equals: Net operating income................................................................................

0.19
0.00
0.32

-0.04
0.00
-0.35

65
73
64

0.44
0.00
0.82

0.26
0.01
0.48

67
62
61

0.25
0.00
-0.63

0.10
0.00
-0.23

59
68
27

0.29
0.00
0.55

0.44
0.00
0.86

25
2
25

0.71
0.00
1.39

0.63
0.01
1.18

62
63
69

Plus: Net extraordinary items.................................................................................
Equals: Net income................................................................................................
Memo: Net income (last four qtrs) .........................................................................
Net inc–BHC & noncontrol (minority) interest .........................................................

0.00
0.32
-0.86
0.32

0.00
-0.43
-0.72
-0.44

52
65
32
65

0.00
0.82
0.46
0.82

0.00
0.47
0.53
0.49

51
61
34
61

0.00
-0.63
-0.63
-0.63

0.00
-0.25
-0.25
-0.29

51
27
27
29

-0.01
0.54
0.54
0.54

0.00
0.87
0.85
0.88

8
25
26
25

0.00
1.39
1.39
1.39

0.01
1.21
1.21
1.22

44
66
66
65

MARGIN ANALYSIS:
Avg earning assets / Avg assets .......................................................................
Avg int-bearing funds / Avg assets ...................................................................
Int income (TE) / Avg earning assets ................................................................
Int expense / Avg earning assets ......................................................................
Net int inc (TE) / Avg earning assets ................................................................

79.01
64.38
5.01
1.25
3.77

89.84
74.10
4.68
1.64
3

3
15
64
28
77

77.06
63.81
6.46
2.55
3.92

89.48
76.79
5.86
2.64
3.20

4
7
84
44
84

77.59
64.42
6.14
2.30
3.84

89.65
77.39
5.67
2.41
3.23

4
8
81
41
81

83.45
65.54
4.63
2.09
2.54

89.70
76.48
6.82
3.44
3.34

5
8
2
4
17

91.46
71.20
6.79
3.07
3.72

90.22
75.80
6.60
3.16
3.42

68
24
62
39
59

YIELD OR COST:
Total loans and leases (TE) ....................................................................................
Interest-bearing bank balances ..............................................................................
Fed funds sold & reverse repos..............................................................................
Trading assets ........................................................................................................
Total earning assets................................................................................................

5.04
1.60
0.93
1.20
4.97

5.29
0.80
0.70
1.70
4.62

44
85
79
49
65

6.78
3.77
2.62
3.28
6.42

6.29
3.58
2.90
2.99
5.82

82
61
41
58
85

6.37
2.92
2.29
2.47
6.09

6.12
2.23
2.40
2.64
5.62

72
63
44
54
81

4.71
24.16
23.04
1.58
4.59

7.37
5.42
5.20
3.45
6.76

2
95
98
28
2

7.32
2.07
5.32
1.25
6.76

7.24
5.07
5.08
2.87
6.52

53
13
81
29
63

Investment securities (TE) ......................................................................................
U.S. Treasury & agency sec (excl MBS)...........................................................
Mortgage-backed securities..............................................................................
All other securities ............................................................................................

4.80
4.58
5.19
4.28

4.40
2.85
4.72
5.85

66
87
72
34

5.17
3.01
5.13
6.79

5.06
4.99
4.88
7.02

60
10
68
62

5.14
3.87
5.15
6.40

4.97
4.25
4.84
6.63

68
38
75
54

4.06
22.05
3.34
4.51

5.27
5.95
4.89
7.87

1
93
5
7

4.58
5.75
4.55
5.76

4.94
4.48
4.71
8.24

24
86
43
20

Interest-bearing deposits ........................................................................................
Time deposits of $100K or more .......................................................................
Time deposits < $100K .....................................................................................
Other domestic deposits ...................................................................................
Foreign deposits ...............................................................................................

1.20
2.38
2.92
0.74
0.16

1.64
2.62
2.88
0.81
0.78

25
37
50
44
6

2.53
3.97
3.97
2.28
2.68

2.68
3.97
3.93
1.62
2.63

32
40
51
91
54

2.28
3.50
3.78
2.11
2.01

2.44
3.55
3.54
1.47
2.20

38
41
61
90
42

2.18
4.84
3.34
1.87
2

3.57
4.96
4.47
2.50
4.23

4
44
6
20
6

2.41
4.50
4.59
2.16
4.94

3.22
4.43
3.96
2.26
4.23

7
49
88
47
80

Fed funds purchased and repos .............................................................................
Other borrowed funds & trading liab .......................................................................
All interest-bearing funds ........................................................................................

0.21
1.43
1.53

1.18
2.50
2.01

22
22
25

2.56
3.14
3.08

2.80
3.63
3.11

37
30
51

2
2.88
2.77

2.39
3.38
2.83

34
34
48

1.89
1.89
2.66

4.62
4.64
4.04

1
4
4

4.94
4.99
3.95

4.53
4.51
3.77

82
71
68

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 4

FR Dist: 6

Peer: 1

Non-interest Income & Expenses
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

NON-INTEREST INCOME & EXPENSES: ($000)
Total non-interest income .......................................................................................
Fiduciary activities income ................................................................................
Service charges on dep accts - domestic .........................................................
Trading revenue ................................................................................................
Investment banking fees and commissions ......................................................
Insurance activities revenue .............................................................................
Venture capital revenue ....................................................................................
Net servicing fees .............................................................................................
Net securitization income..................................................................................
Net gain (loss) - sales of lns, OREO, oth ..........................................................
Other non-interest income ................................................................................
Total overhead expenses........................................................................................
Personnel expense ...........................................................................................
Net occupancy expense ...................................................................................
Goodwill impairment losses ..............................................................................
Amortization exp & impairmt loss (oth) .............................................................
Other operating expenses ................................................................................

391,507
15,788
155,762
25,887
33,386
26,740
0
1,230
0
-1,956
134,670
845,496
407,182
102,717
0
82,331
253,266

477,251
19,829
175,665
37,030
42,487
31,085
0
1,178
0
3,642
166,335
881,343
417,185
101,967
0
124,357
237,834

884,048
38,036
347,023
57,614
89,335
57,077
0
2,568
0
1,965
290,430
2,472,154
854,934
215,635
655,309
243,641
502,635

376,090
19,887
166,796
1,640
38,322
19,658
0
-846
0
11,658
118,975
833,663
394,269
101,672
0
116,217
221,505

713,405
25,973
311,520
22,799
38,568
74,772
0
4,126
2,874
-2,259
235,032
1,037,867
572,611
129,155
0
12,377
323,724

Fee income on mutual funds & annuities ...............................................................

23,537

31,098

67,637

18,160

42,569

MEMORANDA:
Assets under mgmt proprty mut fnds & annuit .......................................................
Number of equivalent employees ...........................................................................
Average personnel expense per employee ............................................................
Average assets per employee ................................................................................

0
10,541
38.63
5,790.23

0
12,376
33.71
4,804.21

0
12,179
70.20
4,969

0
12,127
32.51
3,474.05

0
8,365
68.45
3,955.06

BHC
ANALYSIS RATIOS:
Mutual fund fee inc / Non-int income ......................................................................
Overhead exp / NII + non-int income......................................................................
PERCENT OF AVERAGE ASSETS:
Total overhead expense....................................................................................
Personnel expense .....................................................................................
Net occupancy expense..............................................................................
Other operating expenses...........................................................................
Overhead less non-interest income ..................................................................
PERCENT OF ADJ OPER INCOME (TE):
Total overhead expense....................................................................................
Personnel expense .....................................................................................
Net occupancy expense..............................................................................
Other operating expenses...........................................................................
Total non-interest income..................................................................................
Fiduciary activities income ..........................................................................
Serv charges dom deposit accts .................................................................
Trading revenue ..........................................................................................
Investment banking fees & commissns.......................................................
Insurance activities revenue .......................................................................
Venture capital revenue ..............................................................................
Net servicing fees .......................................................................................
Net securitization income ............................................................................
Net gain (loss) - sales lns, OREO, oth ........................................................
Other non-interest income ..........................................................................
Overhead less non-interest income ..................................................................
Appl inc taxes / Pretax NOI (TE) ............................................................................
Appl inc tax + TE / Pretax NOI + TE .......................................................................

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

6.01
65.62

2.99
72.73

84
42

6.52
64.58

3.99
66.01

81
62

7.65
92.73

3.68
74.38

84
83

4.83
66.31

4.25
63.90

60
68

5.97
56.72

3.57
60.93

75
28

2.77
1.33
0.34
1.10
1.49

3.26
1.44
0.36
1.40
1.32

35
40
43
46
53

2.96
1.40
0.34
1.22
1.36

3
1.46
0.38
1.07
1.19

54
41
40
74
61

4.09
1.41
0.36
2.32
2.62

3.29
1.43
0.38
1.39
1.57

76
43
43
86
84

1.98
0.94
0.24
0.80
1.09

2.96
1.52
0.39
1.01
1.25

16
16
16
29
41

3.14
1.73
0.39
1.02
0.98

2.97
1.61
0.40
0.94
1.04

57
53
50
60
40

65.06
31.33
7.90
25.82
30.12
1.21
11.99
1.99
2.57
2.06
0.00
0.09
0.00
-0.15
10.36
34.93
30.16
37.26

71.28
32.07
8.21
29.88
39.07
2.92
6.73
2.38
3.31
1.15
-0.15
1.36
0.14
0.37
12.62
32.99
25.83
32.73

43
46
43
51
38
46
92
68
61
76
62
34
38
33
45
53
60
70

64.12
30.35
7.42
26.35
34.72
1.44
12.78
2.69
3.09
2.26
0.00
0.09
0.00
0.26
12.10
29.40
32.39
35.04

65.65
32.21
8.42
24.89
34.60
4.31
7.25
0.42
3.61
1.10
0.01
1.06
0.20
0.41
12.49
30.59
28.42
33.26

62
35
35
71
51
40
91
84
62
80
43
31
42
52
60
55
62
62

91.97
31.81
8.02
52.14
32.89
1.42
12.91
2.14
3.32
2.12
0.00
0.10
0.00
0.07
10.81
59.08

73.69
32.09
8.67
32.85
32.16
4.48
7.53
0.00
3.27
1.05
-0.02
0.77
0.17
0.31
11.79
40.98
24.76
31.86

81
43
43
83
50
40
88
86
66
79
46
45
44
44
55
77

65.73
31.08
8.02
26.63
29.65
1.57
13.15
0.13
3.02
1.55
0.00
-0.07
0.00
0.92
9.38
36.08
31.14
34.33

63.22
32.37
8.55
22.03
33.61
4.52
7.59
0.20
3.28
1.21
0.23
0.82
0.31
0.97
11.14
29.32
28.98
32.86

68
34
46
80
37
38
92
53
65
68
35
4
35
52
50
67
63
58

56.47
31.15
7.03
18.29
38.81
1.41
16.95
1.24
2.10
4.07
0.00
0.22
0.16
-0.12
12.79
17.65
32.64
33.81

60.19
32.03
8.03
19.46
36.13
4.66
6.77
1.15
3.04
1.24
0.19
0.68
0.37
1.36
10.74
22.96
30.50
34.13

30
37
31
44
60
36
95
69
49
89
36
49
78
4
68
33
63
43

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 5

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Assets
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

Percent Change
1-yr
5-yr

($000)
Real estate loans ...................................................................
Commercial and industrial loans ...........................................
Loans to individuals ...............................................................
Loans to depository inst & oth banks accept .........................
Agricultural loans ...................................................................
Other loans and leases..........................................................
Less: Unearned income ........................................................
Loans & leases, net of unearned income ........................
Less: Allow for loan & lease losses.......................................
Net loans and leases .......................................................
Debt securities over 1 year ....................................................
Mutual funds and equity securities ........................................
Subtotal
Interest-bearing bank balances .............................................
Federal funds sold & reverse repos.......................................
Debt securities 1 year or less ................................................
Trading assets .......................................................................
Total earning assets .........................................................
Non-int cash and due from dep inst.......................................
Premises, fixed assets, & cap leases ....................................
Other real estate owned ........................................................
Invest in unconsolidated subsidiaries ....................................
Intangible and other assets ...................................................
Total assets ......................................................................
Quarterly average assets ......................................................
Average loans and leases (YTD)...........................................

24,921,292
7,423,433
4,155,805
59,859
69,736
1,095,299
0
37,725,424
824,568
36,900,856
6,891,998
110,427
43,903,281
18,453
35,751
1,616,929
376,883
45,951,297
752,952
1,023,947
165,509
3,431
11,569,239
59,466,375
60,492,642
38,425,067

23,477,272
7,499,141
4,874,909
50,000
122,034
450,633
2
36,473,987
590,232
35,883,755
8,150,856
95,557
44,130,168
6,001
110,829
2,147,975
210,265
46,605,238
1,041,870
1,011,070
98,634
3,425
12,340,706
61,100,943
59,934,138
35,203,048

24,610,584
8,112,793
4,954,639
50,000
79,336
841,424
0
38,648,776
730,905
37,917,871
8,089,311
176,256
46,183,438
3,222
85,416
1,595,989
481,101
48,349,166
1,057,017
1,035,194
132,194
3,427
11,728,415
62,305,413
62,042,747
36,483,971

22,516,253
6,622,075
4,404,317
55,016
129,107
461,321
3
34,188,086
551,509
33,636,577
7,988,618
199,759
41,824,954
9,075
186,443
2,358,166
153,994
44,532,632
1,087,846
997,841
43,574
3,432
12,203,916
58,869,241
57,594,274
27,473,266

16,255,614
4,150,644
3,998,845
0
5,864
254,306
0
24,665,273
291,050
24,374,223
5,365,946
185,348
29,925,517
1,968
22,455
879,686
91,662
30,921,288
777,778
543,914
17,105
13,453
1,975,383
34,248,921
34,176,446
23,702,682

6.15
137.66
123.33
-1.01
15.22
-14.75
19.72
-42.86
756.39
143.06
224.58
-100
112.39
3.43
229.07
39.70
2.83
110.72
-15.44
-8.22
90.33
15.56
-0.51
75.06
207.50 3,177.62
-35.53
-67.74
-24.72 26,795.03
577.47
79.24
82.37
-1.40
-27.73
0.58
1.27
109.25
511.41
67.80
0.18
-72.91
-6.25
667.17
112.51
-2.68
0.93
118.01
9.15
118.25

MEMORANDA:
Loans held-for-sale ................................................................
Loans not held-for-sale ..........................................................
RE loans secured by 1–4 family ............................................
Commercial real estate loans ................................................
Construction and land development ................................
Multifamily ........................................................................
Nonfarm nonresidential....................................................
RE loans secured by farmland ..............................................
Total investment securities ....................................................
U.S. Treasury securities...................................................
U.S. agency securities (excl MBS) ..................................
Municipal securities .........................................................
Mortgage-backed securities.............................................
Asset-backed securities ...................................................
Other debt securities........................................................
Mutual funds and equity securities ..................................
Available-for-sale securities...................................................
U.S. Treasury securities...................................................
U.S. agency securities (excl MBS) ..................................
Municipal securities .........................................................
Mortgage-backed securities.............................................
Asset-backed securities ...................................................
Other debt securities........................................................
Mutual funds and equity securities ..................................
Held-to-mat sec appreciation (depr) ......................................
Available-for-sale sec appr (depr) .........................................
Structured notes, fair value....................................................
Pledged securities .................................................................

293,704
37,431,720
9,013,107
15,726,475
8,649,764
770,822
6,305,889
181,710
8,619,354
1,061
336,392
954,456
6,984,440
226,701
5,877
110,427
7,315,261
1,061
336,392
457,102
6,404,402
0
5,877
110,427
-101,509
243,918
0
6,957,967

193,821
36,280,166
8,334,854
14,889,511
8,509,428
647,220
5,732,863
252,907
10,394,388
1,013
622,328
800,675
8,547,197
186,680
140,938
95,557
10,112,142
1,013
622,328
518,429
8,547,197
186,680
140,938
95,557
-13,009
-73,668
0
8,511,035

104,494
38,544,282
8,800,850
15,589,757
8,483,294
788,178
6,318,285
219,977
9,861,556
1,060
443,720
893,578
8,117,850
160,263
68,829
176,256
8,612,155
1,060
443,720
495,971
7,489,002
0
6,146
176,256
-111,612
170,871
0
8,281,575

97,907
34,090,179
7,626,807
14,629,708
8,401,389
627,147
5,601,172
259,738
10,546,543
7,060
758,722
623,316
8,425,719
373,362
158,605
199,759
10,546,543
7,060
758,722
623,316
8,425,719
373,362
158,605
199,759

12,619
24,652,654
5,540,715
10,632,059
6,365,283
433,582
3,833,194
82,840
6,430,980
19,841
25,334
410,652
5,762,179
0
27,626
185,348
4,477,814
19,841
198
290,806
3,953,995
0
27,626
185,348
-38,303
-59,076
0
3,418,924

51.53 1,401.40
3.17
110.96
8.14
146.89
5.62
131.42
1.65
210.97
19.10
0.39
10
94.25
-28.15
356.04
-17.08
13.81
4.74
-97.34
-45.95
403.63
19.21
757.02
-18.28
-3.91
21.44
-95.83
-79.62
15.56
90.33
-27.66
63.67
4.74
-97.34
-45.95 45,918.06
-11.83 4,646.65
-25.07
47.81
-100
-95.83
-79.37
15.56
90.33

52,813
6,914
6,212,828

-18.25

14.84

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 6

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Liabilities and Changes in Capital
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

($000)
Demand deposits...................................................................
NOW, ATS and transaction accounts ....................................
Time deposits (excl brokered dep) < $100K ..........................
MMDA and other savings accounts .......................................
Other non-interest-bearing deposits ......................................
Core deposits...................................................................
Time deposits of $100K or more ...........................................
Foreign deposits ....................................................................
Federal funds purchased and repos ......................................
Secured federal funds purchased ....................................
Commercial paper .................................................................
Other borrowings w/rem mat of 1 yr or less...........................
Other borrowings w/rem mat over 1 year ..............................
Brokered deposits < $100K ...................................................
Noncore funding ..............................................................
Trading liabilities ....................................................................
Subordinated notes and debentures + TPS ..........................
Other liabilities .......................................................................
Total liabilities ........................................................................
Minority interest .....................................................................

1,396,958
977,996
1,413,653
22,230,133
0
26,018,740
8,449,435
72,892
2,099,083
0
66,220
4,214,748
992,910
1,938,930
17,834,218
283,380
1,973,003
554,835
46,664,176
25,654

1,171,837
788,761
4,178,072
21,462,899
0
27,601,569
8,563,771
44,174
2,657,228
0
67,184
5,488,596
1,443,377
40,716
18,305,046
107,628
1,310,193
377,001
47,701,437
25,784

1,381,018
1,038,615
3,757,298
21,842,385
0
28,019,316
9,391,779
1,388,678
1,847,374
0
39,826
5,348,157
1,242,876
225
19,258,915
398,986
1,465,392
517,712
49,660,321
25,675

1,106,336
920,614
4,589,035
19,643,964
0
26,259,949
8,217,784
877,206
4,657,159
0
72,002
1,334,544
2,043,686
47,057
17,249,438
69,779
1,290,825
458,178
45,328,169
26,940

EQUITY CAPITAL:
Perpetual preferred stock (incl surplus) .................................
Common stock.......................................................................
Common surplus ...................................................................
Retained earnings .................................................................
Less: Treasury stock .............................................................
Accumulated other comprehensive income...........................
Other equity capital components ...........................................
Total equity capital ...........................................................

0
1,897
13,197,998
-439,623
0
16,273
0
12,776,545

0
1,897
13,202,973
192,884
0
-24,032
0
13,373,722

0
1,897
13,200,410
-547,667
0
-35,223
0
12,619,417

0
1,897
13,200,398
261,975
0
49,862
0
13,514,132

0
271,207
430,826
2,380,160
201,950
-53,932
-2,177
2,824,134

Total liabilities and capital ......................................................

59,466,375

61,100,943

62,305,413

58,869,241

MEMORANDA:
Non-interest-bearing deposits..........................................
Interest-bearing deposits .................................................
Total deposits .............................................................
LT debt that reprices in 1 year .........................................
Eq cap & noncontrol (minority) interest............................

8,571,765
27,908,232
36,479,997
475,000
12,802,199

7,967,425
28,282,805
36,250,230
924,404
13,399,506

7,662,851
31,137,147
38,799,998
724,640
12,645,092

CHANGES IN EQUITY CAPITAL:
Equity capital, prev year-end as amended.
Accounting restatements .................................................
Net income.......................................................................
Net sale of new perpetual preferred stock .......................
Net sale of new common stock ........................................
Chgs incident to mergers and absorptions ......................
Less: Dividends declared ................................................
Change in other comprehensive income .........................
Sale of Treasury stock .....................................................
Less: Purchase of Treasury stock ...................................
Changes in debit to ESOP liability ...................................
Other adjustments to equity capital .................................
Equity capital, ending balance .........................................

12,619,417
9,836
98,208
0
4,230
0
0
51,496
0
0
0
-6,642
12,776,545

13,514,132
0
244,725
0
4,463
0
315,000
-73,894
0
0
0
-704
13,373,722

13,514,132
0
-380,826
0
13,347
0
430,000
-85,085
0
0
0
-12,151
12,619,417

Percent Change
1-yr
5-yr

474,440
19.21
-14.02
324,532
23.99
822.74
3,196,386
-13.65
-66.16
14,932,641
3.57
99.14
0
79.06
18,927,999
-5.73
-1.34
4,064,965
362.01
65.01 14,081.32
92,750
-21
-50.08
3,179,351
0
67,770
-1.43
9.37
280.45
1,275,931
-23.21
-31.21
2,107,832
-69.89
3,182 4,662.08
10,791,781
69.85
-2.57
34,514
163.30 1,005.74
1,278,466
50.59
471.64
373,656
47.17
-14.26
31,406,416
-2.17
79.14
18,371
-0.50
41.97

0.00
-0.04

-99.28
5,156.78
-100

-4.47

566.90

34,248,921

-2.68

112.51

7,763,354
27,638,642
35,401,996
2,074,087
13,541,072

6,507,830
16,581,066
23,088,896
1,891,084
2,842,505

7.59
-1.32
0.63
-48.62
-4.46

65.64
149.51
122.98
-81.19
562

2,824,134
-1,621
228,515
0
0
10,413,204
0
49,862
0
0
0
38
13,514,132

2,236,029
0
460,363
0
66,677
0
199,927
9,224
263,360
10,677
0
-915
2,824,134

BHC Name

BBVA USA BANCSHARES, INC.

FR BHCPR
Page 7

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Percent Composition of Assets
BHC

06/30/2009
Peer 1

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

BHC

12/31/2007
Peer 1

Pct

BHC

12/31/2006
Peer 1

Pct

PERCENT OF TOTAL ASSETS:
Real estate loans ....................................................................................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Loans to depository institutions and other bank acceptances ................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................
Net loans and leases ........................................................................................
Debt securities over 1 year .....................................................................................
Mutual funds and equity securities .........................................................................
Subtotal
Interest-bearing bank balances ..............................................................................
Federal funds sold & reverse repos........................................................................
Debt securities 1 year or less .................................................................................
Trading assets ........................................................................................................
Total earning assets ..........................................................................................
Non-int cash and due from dep inst........................................................................

41.91
12.48
6.99
0.10
0.12
1.84
62.05
11.59
0.19
73.83
0.03
0.06
2.72
0.63
77.27
1.27

36.76
12.24
5.27
0.06
0.16
3.14
59.41
13.40
0.25
74.45
3.20
1.79
3
1.86
87.43
1.69

51
52
63
77
61
32
38
50
63
32
7
42
63
57
6
30

38.42
12.27
7.98
0.08
0.20
0.74
58.73
13.34
0.16
72.23
0.01
0.18
3.52
0.34
76.28
1.71

40.15
12.66
5.06
0.11
0.20
3.25
62.79
12.93
0.22
76.98
0.71
1.94
3.10
1.56
87.19
2.09

37
50
70
64
65
18
28
57
55
24
12
34
67
47
4
28

39.50
13.02
7.95
0.08
0.13
1.35
60.86
12.98
0.28
74.12
0.01
0.14
2.56
0.77
77.60
1.70

39.94
12.88
4.82
0.07
0.19
2.95
61.91
13.43
0.17
76.41
2.87
0.98
3.11
1.60
87.67
1.90

41
54
70
75
58
31
33
55
73
26
6
43
56
56
2
44

38.25
11.25
7.48
0.09
0.22
0.78
57.14
13.57
0.34
71.05
0.02
0.32
4.01
0.26
75.65
1.85

40.85
12.72
5.33
0.09
0.21
3.26
63.85
13.05
0.24
77.94
0.50
2.24
3.17
1.34
87.60
2.28

35
44
67
71
62
16
25
58
76
23
20
37
67
49
4
34

47.46
12.12
11.68
0.00
0.02
0.74
71.17
15.67
0.54
87.38
0.01
0.07
2.57
0.27
90.28
2.27

39.85
11.89
5.36
0.11
0.21
3.17
62.66
13.87
0.26
77.54
0.55
2.68
3.12
1.15
88.10
2.38

68
53
85
20
27
15
68
59
81
88
13
13
62
60
71
47

Other real estate owned .........................................................................................
All other assets .......................................................................................................

0.28
21.46

0.25
10.74

60
94

0.16
22.02

0.17
10.52

58
97

0.21
20.70

0.23
10.27

55
97

0.07
22.51

0.10
9.97

50
97

0.05
7.45

0.06
9.34

56
28

MEMORANDA:
Short-term investments.....................................................................................
U.S. Treasury securities....................................................................................
U.S. agency securities (excl MBS) ...................................................................
Municipal securities ..........................................................................................
Mortgage-backed securities..............................................................................
Asset-backed securities ....................................................................................
Other debt securities.........................................................................................
Loans held-for-sale ...........................................................................................
Loans not held-for-sale .....................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end, sec by first liens ......................................................................
Closed-end, sec by junior liens ...................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
RE loans secured by farmland..........................................................................

2.81
0.00
0.57
1.61
11.75
0.38
0.01
0.49
62.95
15.16
4.58
9.61
0.97
26.45
14.55
1.30
10.60
0.31

9.85
0.41
1.60
1.13
9.89
0.65
0.99
0.81
59.98
14.27
4.03
8.93
1.17
20.36
6.15
1.58
12.09
0.35

30
26
46
67
61
65
19
47
38
52
60
55
48
64
88
55
44
69

3.71
0.00
1.02
1.31
13.99
0.31
0.23
0.32
59.38
13.64
3.98
8.61
1.06
24.37
13.93
1.06
9.38
0.41

7.19
0.15
1.94
1.08
10.22
0.42
0.75
0.76
62.84
15.92
3.82
10.20
1.62
21.86
7.58
1.44
11.98
0.29

47
27
51
65
78
67
57
51
28
42
60
42
44
61
78
54
37
74

2.70
0.00
0.71
1.43
13.03
0.26
0.11
0.17
61.86
14.13
4.34
8.73
1.05
25.02
13.62
1.27
10.14
0.35

8.53
0.19
1.81
1.16
10.36
0.41
0.69
0.61
62.40
15.33
3.98
9.57
1.43
22.33
7.28
1.53
12.74
0.33

27
25
47
66
72
66
45
38
34
48
59
50
47
58
80
54
38
70

4.34
0.01
1.29
1.06
14.31
0.63
0.27
0.17
57.91
12.96
3.53
8.29
1.13
24.85
14.27
1.07
9.51
0.44

6.96
0.14
2.38
1.13
9.64
0.35
0.75
1.05
63.43
16.28
3.71
10.54
1.76
22.22
8.05
1.35
11.82
0.27

50
40
55
59
82
76
56
35
25
38
55
43
41
61
77
56
38
73

2.64
0.06
0.07
1.20
16.82
0.00
0.08
0.04
71.98
16.18
5.22
9.06
1.90
31.04
18.59
1.27
11.19
0.24

8.04
0.32
3.46
1.07
9.68
0.22
0.60
1.13
61.96
16.64
3.86
10.76
1.67
20.91
7.45
1.55
11.02
0.23

28
40
13
63
86
24
43
18
78
49
66
44
63
78
92
65
55
65

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 7A

RSSD Number 1078529
City/State HOUSTON, TX

Peer: 1

FR Dist: 6

Loan Mix and Analysis of Concentrations of Credit
BHC

06/30/2009
Peer 1

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

BHC

12/31/2007
Peer 1

Pct

LOAN MIX, PERCENT OF GROSS LOANS & LEASES:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................
Loans to depository institutions and other bank acceptances ................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................

66.06
23.89
7.22
16.67
41.69
22.93
2.60
20.33
2.04
16.72
7.52
9.19
0.48
0.16
19.68
11.02
1.22
0.18
2.90

58.28
23.14
6.21
16.77
31.42
9.07
2.19
6.65
2.63
18.80
6.73
10.92
0.51
0.11
19.62
9.29
1.65
0.24
7.56

60
52
61
53
69
93
67
94
51
43
53
46
71
78
55
61
72
61
36

64.37
22.85
6.66
16.19
40.82
23.33
4.09
19.24
1.77
15.72
7.46
8.26
0.69
0.14
20.56
13.37
1.35
0.33
1.24

62.27
24.98
5.73
18.81
33.43
11.09
3.28
7.40
2.15
18.57
7
10.57
0.42
0.25
19.60
8.29
1.36
0.29
5.70

52
42
62
44
68
90
64
92
57
47
55
41
74
64
54
75
77
64
20

63.68
22.77
7
15.77
40.34
21.95
3.03
18.92
2.04
16.35
7.34
9.01
0.57
0.13
20.99
12.82
1.22
0.21
2.18

62.33
24.29
6.08
17.70
34.36
10.73
2.72
7.63
2.33
19.86
7.95
10.91
0.49
0.15
20.30
8
1.39
0.29
5.21

52
48
61
44
65
87
63
93
52
41
47
44
70
76
55
70
72
58
31

65.86
22.31
6.08
16.23
42.79
24.57
7.83
16.75
1.83
16.38
8.31
8.07
0.76
0.16
19.37
12.88
1.40
0.38
1.35

62.08
25.69
5.64
19.66
33.44
11.93
3.46
7.98
2.05
17.83
6.97
10.03
0.40
0.20
19.89
8.39
1.26
0.31
5.48

56
38
61
43
70
88
86
86
58
47
59
41
74
74
49
71
76
64
17

LOAN & LEASE PERCENT OF TOTAL RISK BASED CAPITAL:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................
Loans to depository institutions & other bank accept .............................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................

442.31
159.97
48.34
111.63
279.12
153.52
17.43
136.09
13.68
111.92
50.38
61.54
3.23
1.06
131.75
73.76
8.18
1.24
19.44

377.40
149.33
40.41
110.68
209.17
62.12
16.13
45.19
17.66
124.38
47.73
72.52
3.62
0.55
125.66
57.72
10.53
1.70
33.82

62
58
62
57
68
92
64
94
56
49
56
45
69
81
62
66
70
58
36

488.36
173.38
50.56
122.82
309.72
177.01
31.03
145.98
13.46
119.25
56.61
62.64
5.26
1.04
155.99
101.40
10.21
2.54
9.37

442.51
177.18
39.24
135.37
238.15
80.48
23.80
54.34
15.61
131.77
50.36
75.94
3.29
1.31
135.76
57.51
8.46
2.01
35.27

55
57
64
48
70
89
67
91
58
47
60
42
75
66
64
77
76
66
19

512.94
183.43
56.40
127.03
324.93
176.81
24.44
152.37
16.43
131.69
59.12
72.57
4.58
1.04
169.09
103.27
9.84
1.65
17.54

407.19
159.90
39.11
116.78
222.19
71.93
18.23
51.37
15.51
128.06
51.74
72.11
3.49
0.77
128.94
51.68
8.48
1.89
29.83

77
64
68
61
77
92
70
95
61
55
60
50
71
80
78
82
72
60
38

471.81
159.81
43.56
116.25
306.56
176.05
56.07
119.98
13.14
117.37
59.56
57.81
5.44
1.15
138.76
92.29
10.02
2.71
9.67

451.84
182.82
40.93
140.25
245.86
86.92
25.84
57.83
15.17
129.99
51.75
72.91
2.95
0.99
141.08
59.29
8.34
2.21
36.58

51
43
60
45
68
86
86
84
57
45
59
46
72
74
54
72
72
62
19

SUPPLEMENTAL:
Non-Owner Occupied CRE Loans/Gross Loans ....................................................
Non-Owner Occupied CRE Loans/Total Risk Based Capital..................................
Construction & Land Development Loans/Total Risk Based Capital ......................
Total CRE Loans/Total Risk Based Capital.............................................................

35.15
235.34
153.52
285.72

24.03
158.07
62.12
213.61

82
78
92
65

34.17
259.22
177.01
315.83

25.81
186.53
80.48
244.20

80
77
89
72

33.91
273.13
176.81
332.25

25.76
169.94
71.93
227.33

79
82
92
77

35.25
252.53
176.05
312.09

25.99
190.65
86.92
251.84

77
78
86
68

BHC

12/31/2006
Peer 1

Pct

65.90
22.46
7.24
15.22
43.11
25.81

61.98
26.62
5.88
20.25
31.92
11.10

56
39
60
34
75
91

1.76
15.54

2.44
16.60

59
50

0.34
0.00
16.83
16.21
2.05
0.02
1.03

0.34
0.18
18.82
8.68
1.18
0.33
6.21

62
20
42
81
79
27
15

462.67
157.70
50.84
106.86
302.61
181.17

427.13
181.78
41.46
138.81
221.57
78.54

57
41
63
39
73
92

12.34
109.10

16.37
117.58

58
48

2.36
0.00
118.14
113.82
14.38
0.17
7.24

2.48
1.02
129.82
57.13
7.75
2.21
35.57

63
20
44
82
79
26
16

181.17
309.55

78.54
226.22

92
73

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 8

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Liquidity and Funding
06/30/2009
BHC
Peer 1

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

12/31/2007
BHC
Peer 1

Pct

12/31/2006
BHC
Peer 1

Pct

PERCENT OF TOTAL ASSETS:
Short-term investments ..........................................................................................
Liquid assets...........................................................................................................
Investment securities ..............................................................................................
Net loans and leases ..............................................................................................
Net lns, ls & stdby ltrs of credit ...............................................................................
Core deposits .........................................................................................................
Noncore funding .....................................................................................................
Time deposits of $100K or more ............................................................................
Foreign deposits .....................................................................................................
Fed funds purchased and repos .............................................................................
Secured federal funds purchased .....................................................................
Net fed funds purchased (sold) ..............................................................................
Commercial paper ..................................................................................................

2.81
13.33
14.49
62.05
65.02
43.75
29.99
14.21
0.12
3.53
0.00
3.47
0.11

9.85
22.86
17.53
59.41
62.33
45
36.64
7.88
2.13
5.58
0.00
3.30
0.23

30
17
42
38
42
36
44
86
43
47
48
60
76

3.71
16.04
17.01
58.73
61.12
45.17
29.96
14.02
0.07
4.35
0.00
4.17
0.11

7.19
19.78
16.99
62.79
65.93
43.73
39.55
9.36
2.64
7.17
0.00
5.02
0.41

47
50
60
28
28
44
31
81
38
34
49
47
64

2.70
15.34
15.83
60.86
63.64
44.97
30.91
15.07
2.23
2.97
0.00
2.83
0.06

8.53
21.88
17.40
61.91
64.94
45.37
37.84
8.98
2.21
6
0.00
4.75
0.28

27
33
51
33
31
40
38
86
70
37
47
44
73

4.34
16.60
17.92
57.14
59.21
44.61
29.30
13.96
1.49
7.91
0.00
7.59
0.12

6.96
19.49
17
63.85
66.91
46.33
37.91
10.08
3.12
7.30
0.00
4.96
0.48

50
49
62
25
23
38
29
79
52
61
48
67
64

2.64
17.18
18.78
71.17
74.52
55.27
31.51
11.87
0.27
9.28
0.00
9.22
0.20

8.04
22.35
18.55
62.66
65.82
48.23
36.10
11.73
2.70
7.72
0.00
4.92
0.43

28
42
59
68
68
60
46
57
42
63
48
75
62

Other borrowings w/rem mat 1 yr or less................................................................
Earning assets repriceable in 1 year ......................................................................
Int-bearing liab repriceable in 1 year ......................................................................
Long-term debt repriceable in 1 year......................................................................
Net assets repriceable in 1 year .............................................................................

7.09
39.90
17.14
0.80
21.96

4.76
42.88
20.28
2.42
18.88

73
40
48
44
56

8.98
37.86
18.71
1.51
17.64

5.46
41.83
21.91
2.17
16.61

78
32
38
58
51

8.58
38.59
19.24
1.16
18.18

5.59
44.36
22.87
1.96
18.12

72
31
44
56
52

2.27
37.54
25.10
3.52
8.91

4.77
43.57
22.78
2.17
17.20

26
26
64
65
31

3.73
44.07
16.60
5.52
21.96

3.45
44.16
22.38
2.14
18.20

60
47
26
82
55

OTHER LIQUIDITY AND FUNDING RATIOS:
Net noncore funding dependence ..........................................................................
Net ST noncore funding dependence .....................................................................
Short-term inv / ST noncore funding.......................................................................
Liq asts-ST noncore fndg / Nonliq asts...................................................................
Net loans and leases / Total deposits .....................................................................
Net loans and leases / Core deposits .....................................................................
Held-to-mat sec appr (depr) / T1 cap .....................................................................
Avail-for-sale sec appr (depr) / T1 cap ...................................................................
Struct notes appr (depr) / T1 cap............................................................................

36.68
31.02
10.89
-14.38
101.15
141.82
-2.42
5.80

37.45
15.64
45.83
1.88
104.85
168.17
-0.48
-3.08
-0.21

56
77
23
18
59
64
16
94

36.27
31.45
14
-12.43
98.99
130.01
-0.39
-2.20

42.99
26.53
24.68
-7.93
107.22
163.48
-0.33
-4.99
-0.02

40
65
48
34
30
30
24
63

37.94
34.01
9.66
-14.93
97.73
135.33
-3.33
5.09

37.52
22.45
33.85
-3.34
101.85
154.60
-0.65
-4.76
0.01

56
76
26
23
41
49
13
91

35.10
28.18
17.79
-9.32
95.01
128.09

37
53
55
49
32
29

1.58
0.01

41.09
26.17
25.06
-8.26
101.89
154.81
-0.09
-1.37
-0.01

33.02
23.71
11.30
-7.47
105.57
128.77
-1.51
-2.32

37.63
23.42
26.53
-3.40
97.38
156.68
-0.59
-1.93
-0.07

46
49
28
42
71
42
15
39

PERCENT OF INVESTMENT SECURITIES:
Held-to-maturity securities ......................................................................................
Available-for-sale securities....................................................................................
U.S. Treasury securities .........................................................................................
U.S. agency securities (excl MBS) .........................................................................
Municipal securities ................................................................................................
Mortgage-backed securities ...................................................................................
Asset-backed securities..........................................................................................
Other debt securities ..............................................................................................
Mutual funds and equity securities .........................................................................

15.13
84.87
0.01
3.90
11.07
81.03
2.63
0.07
1.28

5.93
94.07
2.17
10.52
6.47
56.82
3.96
6.78
2.90

82
17
28
44
73
76
64
17
58

2.72
97.28
0.01
5.99
7.70
82.23
1.80
1.36
0.92

4.20
95.80
1.06
11.49
6.52
62.39
3.04
4.86
1.80

67
32
25
54
62
75
61
55
45

12.67
87.33
0.01
4.50
9.06
82.32
1.63
0.70
1.79

5.38
94.62
1.21
11.52
7.06
62.35
2.88
4.46
1.52

83
16
26
47
63
73
63
45
70

0.00
100
0.07
7.19
5.91
79.89
3.54
1.50
1.89

6.07
93.93
1.15
14.07
6.70
60.58
2.79
5.41
1.84

17
82
35
55
53
74
70
52
68

30.37
69.63
0.31
0.39
6.39
89.60
0.00
0.43
2.88

7.53
92.47
2.12
17.97
5.90
59.23
1.59
3.89
1.70

85
14
40
13
62
85
24
40
75

Debt securities 1 year or less .................................................................................
Debt securities 1 to 5 years ....................................................................................
Debt securities over 5 years ...................................................................................
Pledged securities ..................................................................................................
Structured notes, fair value.....................................................................................

18.76
23.40
56.56
80.72
0.00

17.37
20.29
53.64
52.66
0.29

62
65
50
88
37

20.66
17.95
60.47
81.88
0.00

17.58
17.84
58.88
65.39
0.28

60
57
50
72
34

16.18
22.62
59.41
83.98
0.00

17.85
17.86
59.01
65.33
0.26

56
68
50
70
34

22.36
16.48
59.26
58.91
0.07

17.41
19.34
57.87
63.70
0.32

65
47
49
37
71

13.68
5.55
77.89
53.16
0.00

16.38
21.70
56.17
61.87
0.20

57
26
66
37
36

PERCENT CHANGE FROM PRIOR LIKE QTR:
Short-term investments ..........................................................................................
Investment securities ..............................................................................................
Core deposits .........................................................................................................
Noncore funding .....................................................................................................

-26.21
-17.08
-5.73
-2.57

107.66
13.57
14.72
-7.44

20
11
8
61

158.57
64.88
44.36
64.29

4.74
8.88
6.07
20.08

95
95
90
91

-34.03
-6.49
6.70
11.65

51.94
10.17
13.39
10.33

20
30
50
56

182.45
64
38.74
59.84

24.79
5.43
6.38
16.28

90
93
90
95

901
-4.26
17.70
-3.69

163.19
4.43
6.95
16.97

88
39
82
17

86
78

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 9

FR Dist: 6

Peer: 1

Derivatives and Off-Balance-Sheet Transactions
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

($000)
Loan commitments .................................................................................................
Commit: Secured commercial RE loans ...........................................................
Commit: Unsecured real estate loans...............................................................
Credit card lines ................................................................................................
Securities underwriting .....................................................................................
Standby letters of credit ..........................................................................................
Commercial & similar letters of credit .....................................................................
Securities lent .........................................................................................................
Credit derivatives - notional amount (BHC as guarantor) .......................................
Credit derivatives - notional amount (BHC as beneficiary) .....................................
Credit derivative contracts w / purch cr pr - invest grade .......................................
Credit derivative contracts w / purch cr pr - subinvest grade..................................

11,933,064
2,422,937
142,566
1,608,483
0
1,765,141
195,040
0
0
0
0
0

12,771,957
3,540,304
78,486
1,613,918
0
1,459,844
138,361
0
0
0

12,353,260
3,450,166
143,516
1,593,112
0
1,732,156
408,106
0
0
0

11,908,707
3,976,087
96,888
1,555,949
0
1,219,979
117,114
0
0
0

12,661,226
3,650,949
100,610
1,539,254
2,000,000
1,149,316
76,625
0
0
0

DERIVATIVE CONTRACTS:
Interest rate futures & forward contr .................................................................
Written options contracts (int rate) ....................................................................
Purchased options contracts (int rate) ..............................................................
Interest rate swaps ...........................................................................................
Futures and forward foreign exchange .............................................................
Written options contr (foreign exch) ..................................................................
Purchased options contr (foreign exch) ............................................................
Foreign exchange rate swaps...........................................................................
Commodity & other futures & forw contr ...........................................................
Written options contr (comm & other) ...............................................................
Purchased options contr (comm & other) .........................................................
Commodity & other swaps ................................................................................

1,233,090
390,326
1,546,617
11,459,937
0
0
0
0
12,459
187,897
187,897
138,327

730,631
631,391
1,435,692
8,929,899
324
0
0
0
0
0
0
0

812,153
384,773
1,454,929
10,604,460
69
0
0
0
12,459
0
0
18,403

530,139
488,501
1,937,041
7,380,799
559
0
0
0
0
0
0
0

373,398
624,588
2,081,314
5,968,318
204
0
0
0
0
0
0
0

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

PERCENT OF TOTAL ASSETS:
Loan commitments .................................................................................................
Standby letters of credit ..........................................................................................
Commercial & similar letters of credit .....................................................................
Securities lent .........................................................................................................
Credit derivatives - notional amount (BHC as guarantor) .......................................
Credit derivatives - notional amount (BHC as beneficiary) .....................................
Credit derivative contracts w / purch cr pr - invest grade .......................................
Credit derivative contracts w / purch cr pr - subinvest grade..................................
Derivative contracts ................................................................................................
Interest rate contracts .............................................................................................
Interest rate futures & forward contr .................................................................
Written options contr (int rate) ..........................................................................
Purchased options contr (int rate).....................................................................
Interest rate swaps ...........................................................................................
Foreign exchange contracts ...................................................................................
Futures & forward foreign exch contr................................................................
Written options contr (foreign exch) ..................................................................
Purchased options contr (foreign ex) ................................................................
Foreign exchange rate swaps...........................................................................
Equity, commodity, & other deriv contr ...................................................................
Commodity & other futures & forward contr......................................................
Written options contr (comm & other) ...............................................................
Purchased options contr (comm & oth) ............................................................
Commodity & other swaps ................................................................................

20.07
2.97
0.33
0.00
0.00
0.00
0.00
0.00
25.49
24.60
2.07
0.66
2.60
19.27
0.00
0.00
0.00
0.00
0.00
0.89
0.02
0.32
0.32
0.23

25.58
2.63
0.08
1.04
4.59
4.82
2.99
1.75
133.70
114.94
17.60
7.86
7.63
68.43
17.17
9.31
1.03
1.05
2.40
4.51
0.41
1.22
1.42
0.63

42
61
94
36
32
30
35
38
52
56
59
48
69
60
14
15
33
32
32
71
78
71
73
73

20.90
2.39
0.23
0.00
0.00
0.00

28.45
3.01
0.13
1.76
1.92
2.19

31
47
75
38
32
31

19.83
2.78
0.66
0.00
0.00
0.00

25.16
2.84
0.08
0.94
1.36
1.54

31
55
98
38
34
31

20.23
2.07
0.20
0.00
0.00
0.00

30.37
3
0.12
1.73
1.86
2.19

26
44
74
39
32
33

36.97
3.36
0.22
0.00
0.00
0.00

31.81
3.13
0.12
3.15
1.21
1.49

71
59
73
39
36
32

19.19
19.19
1.20
1.03
2.35
14.61
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

70.53
49.82
8.48
3.90
4.56
29.10
12.67
8.51
0.52
0.58
0.98
2.51
0.18
0.68
0.92
0.49

51
55
64
61
65
54
28
34
32
32
33
25
38
31
31
30

21.33
21.28
1.30
0.62
2.34
17.02
0.00
0.00
0.00
0.00
0.00
0.05
0.02
0.00
0.00
0.03

59.66
45.12
9.32
3.28
3.18
25.49
8.88
6.34
0.31
0.31
0.81
1.82
0.19
0.53
0.56
0.34

52
58
56
47
70
58
30
34
35
34
34
62
80
33
33
68

17.56
17.56
0.90
0.83
3.29
12.54
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

67.33
47.29
7.46
3.80
4.45
27.46
12.36
8.29
0.66
0.66
1.03
2.14
0.14
0.54
0.76
0.44

52
55
59
58
71
50
29
32
33
32
35
26
39
32
32
29

26.42
26.42
1.09
1.82
6.08
17.43
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

76.05
59.24
8.76
7.12
7.15
28.42
10.78
7.01
0.54
0.58
0.84
2.11
0.11
0.60
0.78
0.36

59
68
63
69
78
62
26
30
33
34
34
28
40
34
34
31

PERCENT OF AVERAGE LOANS AND LEASES:
Loan commitments ...........................................................................................

31.06

58.59

35

36.28

53.09

38

33.86

49.60

40

43.35

54.66

46

53.42

62.14

56

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 10

FR Dist: 6

Peer: 1

Derivative Instruments
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

($000)
NOTATIONAL AMOUNT:
Derivative contracts ................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

15,156,550
14,629,970
0
526,580

11,727,937
11,727,613
324
0

13,287,246
13,256,315
69
30,862

10,337,039
10,336,480
559
0

9,047,822
9,047,618
204
0

Derivatives position:
Futures and forwards ........................................................................................
Written options ..................................................................................................
Exchange-traded.........................................................................................
Over-the-counter .........................................................................................
Purchased options ............................................................................................
Exchange-traded.........................................................................................
Over-the-counter .........................................................................................
Swaps ...............................................................................................................

1,245,549
578,223
0
578,223
1,734,514
0
1,734,514
11,598,264

730,955
631,391
0
631,391
1,435,692
0
1,435,692
8,929,899

824,681
384,773
0
384,773
1,454,929
0
1,454,929
10,622,863

530,698
488,501
0
488,501
1,937,041
0
1,937,041
7,380,799

373,602
624,588
0
624,588
2,081,314
0
2,081,314
5,968,318

Held for trading .......................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

11,227,212
10,855,197
0
372,015

7,864,408
7,864,084
324
0

9,522,108
9,503,636
69
18,403

5,971,795
5,971,236
559
0

5,344,628
5,344,424
204
0

Non-traded..............................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

3,929,338
3,774,773
0
154,565

3,863,529
3,863,529
0
0

3,765,138
3,752,679
0
12,459

4,365,244
4,365,244
0
0

3,703,194
3,703,194
0
0

Deriv contr (excl fut & FX 14 days or less) .............................................................
One year or less ...............................................................................................
Over 1 year to 5 years ......................................................................................
Over 5 years .....................................................................................................

13,674,816
2,715,638
6,254,341
4,704,837

10,454,021
636,435
6,054,354
3,763,232

12,232,018
2,033,976
5,704,401
4,493,641

9,353,310
1,151,565
5,255,525
2,946,220

8,059,074
771,543
4,745,445
2,542,086

Gross negative fair value (absolute value) .............................................................
Gross positive fair value .........................................................................................
Held for trading .................................................................................................
Non-traded ........................................................................................................
Curr credit exposure on RBC deriv contr................................................................
Credit losses on derivative contracts ......................................................................

251,918
465,554
301,094
164,460
453,790
0

70,648
220,447
117,386
103,061
220,447
0

367,536
693,330
423,995
269,335
681,836
0

66,944
176,207
98,545
77,662
176,206
0

34,698
100,820
52,016
48,804
100,815
0

PAST DUE DERIVATIVE INSTRUMENTS FAIR VALUE:
30–89 days past due (confidential prior to March 2001)...................................
90+ days past due ............................................................................................

2,538
0

0
0

0
0

0
0

0
0

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 11

RSSD Number 1078529
City/State HOUSTON, TX

FR Dist: 6

Peer: 1

Derivatives Analysis
06/30/2009
BHC
Peer 1

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

12/31/2007
BHC
Peer 1

Pct

12/31/2006
BHC
Peer 1

Pct

PERCENT OF NOTIONAL AMOUNT:
Interest rate contracts .............................................................................................
Foreign exchange contracts ...................................................................................
Equity, comm, & other contracts .............................................................................

96.53
0.00
3.47

86.28
8.54
2.72

54
13
73

100
0.00
0.00

85.27
9.34
2.27

80
27
25

99.77
0.00
0.23

86.19
9.78
2.04

72
28
61

99.99
0.01
0.00

85.40
9.53
1.95

81
27
25

100
0.00
0.00

87.06
8.39
1.83

83
22
27

Futures and forwards..............................................................................................
Written options........................................................................................................
Exchange-traded ..............................................................................................
Over-the-counter...............................................................................................
Purchased options ..................................................................................................
Exchange-traded ..............................................................................................
Over-the-counter...............................................................................................
Swaps .....................................................................................................................

8.22
3.82
0.00
3.82
11.44
0.00
11.44
76.52

21.09
7.20
0.41
6.11
5.10
0.41
4.22
60.94

30
35
38
42
83
37
87
65

6.23
5.38
0.00
5.38
12.24
0.00
12.24
76.14

15.76
5.57
0.43
4.82
7.33
0.48
6.48
62.54

41
50
38
57
76
36
79
64

6.21
2.90
0.00
2.90
10.95
0.00
10.95
79.95

19.20
7.18
0.44
5.66
5.10
0.34
4.29
56.92

34
40
39
45
81
38
84
70

5.13
4.73
0.00
4.73
18.74
0.00
18.74
71.40

18
5.77
0.36
5.02
5.83
0.27
5.13
63.98

33
41
40
44
90
39
90
56

4.13
6.90
0.00
6.90
23
0.00
23
65.96

19
6.76
0.41
5.74
6.76
0.39
5.82
60.99

27
59
40
63
89
39
90
51

Held for trading .......................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

74.07
71.62
0.00
2.45

46.43
35.70
4.62
1.21

63
78
22
76

67.06
67.05
0.00
0.00

47.97
35.91
5.21
1.29

57
70
44
31

71.66
71.52
0.00
0.14

48.53
37.91
4.31
1.02

64
75
47
70

57.77
57.77
0.01
0.00

43.70
31.08
5.60
1.14

58
73
43
32

59.07
59.07
0.00
0.00

38.64
27.48
4.27
0.94

60
75
40
33

Non-traded..............................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

25.93
24.91
0.00
1.02

53.57
47.16
1.30
0.70

36
38
28
86

32.94
32.94
0.00
0.00

52.03
45.72
1.39
0.21

42
45
29
37

28.34
28.24
0.00
0.09

51.47
45.26
1.99
0.21

35
42
29
82

42.23
42.23
0.00
0.00

56.30
49.73
0.81
0.11

41
44
30
39

40.93
40.93
0.00
0.00

61.36
55.09
0.65
0.11

39
43
29
40

Deriv contr (excl fut & FX 14 days or less) .............................................................
One year or less ...............................................................................................
Over 1 year to 5 years ......................................................................................
Over 5 years .....................................................................................................
Gross negative fair value (absolute value) .............................................................
Gross positive fair value .........................................................................................

90.22
17.92
41.26
31.04
1.66
3.07

84.21
31.94
30.40
13.56
1.75
2.25

56
31
64
89
41
80

89.14
5.43
51.62
32.09
0.60
1.88

82.68
24.26
30.68
16.68
1.27
1.44

50
20
80
83
14
75

92.06
15.31
42.93
33.82
2.77
5.22

81.97
27.95
29.85
13.84
2.75
3.07

64
35
67
87
50
84

90.48
11.14
50.84
28.50
0.65
1.70

86.30
27.64
27.98
19.42
1.19
1.29

55
20
89
73
29
69

89.07
8.53
52.45
28.10
0.38
1.11

86.62
26.33
33.22
19.26
0.78
0.75

43
19
80
71
27
80

PERCENT OF TIER 1 CAPITAL:
Gross negative fair value, absolute value (X) .........................................................
Gross positive fair value (X) ...................................................................................
Held for trading (X) ...........................................................................................
Non-traded (X) ..................................................................................................
Current credit exposure (X) ....................................................................................
Credit losses on derivative contracts ......................................................................

0.06
0.11
0.07
0.04
0.11
0.00

0.40
0.47
0.38
0.03
0.15
0.01

52
65
67
65
67
38

0.02
0.07
0.03
0.03
0.07
0.00

0.15
0.16
0.14
0.02
0.09
0.00

44
64
61
78
67
43

0.11
0.21
0.13
0.08
0.20
0.00

0.25
0.29
0.24
0.03
0.15
0.02

63
73
72
80
76
40

0.02
0.05
0.03
0.02
0.05
0.00

0.14
0.15
0.12
0.02
0.09
0.00

43
62
62
65
65
45

0.01
0.04
0.02
0.02
0.04
0.00

0.09
0.09
0.07
0.01
0.05
0.00

46
73
69
76
75
47

PAST DUE DERIVATIVE INSTRUMENTS FAIR VALUE:
30–89 days past due (confidential prior to March 2001)...................................
90+ days past due ............................................................................................

0.06
0.00

0.00
0.00

93
40

0.00
0.00

0.00
0.00

47
47

0.00
0.00

0.00
0.00

43
49

0.00
0.00

0.00
0.00

47
47

0.00
0.00

0.00
0.00

47
49

OTHER RATIOS:
Current credit exposure / Risk wtd asts ..................................................................

1.05

1.73

63

0.52

0.98

61

1.53

2.12

68

0.45

0.84

62

0.34

0.47

72

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 12

FR Dist: 6

Peer: 1

Allowance and Net Loan and Lease Losses
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

CHANGE: ALLOWANCE FOR LOAN AND LEASE LOSSES EXCLUDING
ATTR: ($000)
Beginning balance ..................................................................................................
Gross credit losses .................................................................................................
Write-downs, transf to lns held for sale ..................................................................
Recoveries ...........................................................................................................
Net credit losses ...............................................................................................

730,905
259,087
0
21,985
237,102

551,509
123,142
0
16,212
106,930

551,509
331,561
16,941
34,776
296,785

0
69,878
0
12,140
57,738

267,173
106,485
0
29,481
77,004

Provision for loan and lease losses ........................................................................
Adjustments ...........................................................................................................
Ending balance .................................................................................................

330,765
0
824,568

145,653
0
590,232

476,181
0
730,905

82,781
526,466
551,509

89,702
11,179
291,050

Memo: alloc transfer risk reserve (ATRR)..............................................................

0

0

0

0

0

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

ANALYSIS RATIOS:
Provision for Ln&Ls losses / Avg assets .................................................................
Provision for Ln&Ls losses / Avg lns&ls..................................................................
Provision for Ln&Ls losses / Net losses .................................................................

1.08
1.72
139.50

1.79
2.88
156.74

34
32
38

0.49
0.83
136.21

0.87
1.35
175.13

37
40
25

0.79
1.31
160.45

1.17
1.78
170.41

38
41
48

0.20
0.30
143.37

0.36
0.56
152.78

32
32
46

0.27
0.38
116.49

0.15
0.25
109.78

81
79
67

Ln&Ls allowance/Total loans & leases not held-for-sale ........................................
Ln&Ls allowance / Total loans & leases .................................................................
Ln&Ls allowance / Net Ln&Ls losses (X)................................................................
ALLL/nonaccrual assets .........................................................................................
Ln&Ls allow/90+ days PD + nonaccr Ln&Ls ..........................................................

2.20
2.19
1.74
60.67
50.27

2.51
2.43
1.64
96.81
74

43
43
64
30
26

1.63
1.62
2.76
92.54
81.81

1.50
1.45
2.67
154.94
111.44

67
68
66
34
39

1.90
1.89
2.46
68.35
61.36

1.88
1.82
2.49
122.57
89.31

59
61
64
29
26

1.62
1.61
9.55
147.83
127.76

1.25
1.22
5.84
193.95
136.21

83
85
80
47
57

1.18
1.18
3.78
549.01
409.72

1.14
1.11
11.75
330.96
231.67

56
57
29
83
83

Gross Ln&Ls losses / Avg loans & leases ..............................................................
Recoveries / Avg loans and leases.........................................................................
Net losses/Avg loans and leases............................................................................
Write-downs, trans Lns HFS / Avg Lns&Ls .............................................................
Recoveries / Prior year-end losses.........................................................................
Earnings coverage of net losses (X).......................................................................

1.35
0.11
1.23
0.00
6.63
2.01

2.08
0.11
1.96
0.01
4.75
1.91

35
59
35
44
73
61

0.70
0.09
0.61
0.00
23.20
4.79

0.87
0.08
0.79
0.01
9.89
6.50

44
65
42
40
95
62

0.91
0.10
0.81
0.05
49.77
0.76

1.18
0.08
1.10
0.03
21.65
2.64

48
62
45
83
92
27

0.25
0.04
0.21
0.00
11.40
7.34

0.47
0.08
0.38
0.00
30.58
13.40

32
31
34
40
6
50

0.45
0.12
0.32
0.00
23.45
10.09

0.33
0.10
0.23
0.00
31.81
33.33

78
68
75
42
31
35

NET LOAN AND LEASE LOSSES BY TYPE:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................

1.02
0.54
1.06
0.31
1.30
1.95
0.95
1
2.43
0.28
0.12
0.15
1.01

1.84
1.13
1.27
1.19
2.07
4.24
1.63
2.59
0.69
0.62
0.13
0.43
0.16

39
36
58
28
47
33
47
39
87
40
52
45
90

0.37
0.13
0.27
0.08
0.49
0.72
0.33
0.39
0.78
0.11
0.02
0.10
1.15

0.69
0.48
0.59
0.44
0.61
1.44
0.73
0.66
0.17
0.14
0.04
0.09
0.09

39
28
39
24
55
44
48
52
89
55
46
66
93

0.50
0.23
0.43
0.14
0.65
1.04
0.56
0.48
0.74
0.12
0.04
0.08
0.66

0.95
0.61
0.72
0.52
1.13
2.87
1.19
1.25
0.35
0.23
0.06
0.16
0.10

38
36
48
29
52
37
45
38
81
44
52
50
88

0.02
0.02
0.03
0.02
0.02
0.02
0.02
0.00
0.00
0.02
0.01
0.01
0.00

0.18
0.18
0.24
0.15
0.14
0.25
0.09
0.13
0.07
0.06
0.03
0.03
0.02

15
22
27
19
19
21
30
30
33
36
48
50
50

0.04
0.08
0.09
0.08
0.03
0.01

0.08
0.09
0.12
0.08
0.04
0.03

47
55
45
64
53
52

0.00
0.05

0.02
0.04

41
67

0.00

0.04

40

1.21
0.00
2.77
8.70
2.92

2.06
0.02
3.29
5.91
0.24
-0.16
0.86

39
45
55
74
93

0.57
0.00
1.39
4.84
0.65

54
51
43
65
96

0.85
0.00
1.68
5.70
1.31

0.34
0.00
0.52
1.59
0.78

0.34

2.45

93

1.45

95

2.78

0.26
-0.01
1.08
1.79
0.00
-0.13
0.22

63

95

0.32
0.00
1.30
2.91
0.11
-0.24
0.27

56
51
24
24
93

3.47

0.81
0.00
2.02
8.34
0.09
0.05
0.52

65
51
50
71
98

69

0.60
0.00
1.88
4.53
0.04
0.05
0.35

Commercial and industrial loans ............................................................................
Loans to depository institutions ..............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Loans to foreign governments & inst ......................................................................
Other loans and leases...........................................................................................

1.09

1.22
4.41
0.00

66
91
40
97

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 13

FR Dist: 6

Peer: 1

Past Due and Nonaccrual Assets
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

30+ DAYS PD & NONACCRUAL ASSETS: ($000)
30–89 days past due loans & leases ......................................................................
90 days and over past due loans & leases .............................................................
Nonaccrual loans and leases .................................................................................
Total PD & nonaccrual loans & leases ..............................................................

603,271
281,292
1,359,119
2,243,682

323,507
83,686
637,820
1,045,013

544,868
121,730
1,069,356
1,735,954

283,830
58,603
373,081
715,514

123,188
18,023
53,014
194,225

Restructured 30–89 days past due.........................................................................
Restructured 90+ days past due ............................................................................
Restructured nonaccrual ........................................................................................
Total restr loans & leases, incl above ...............................................................

637
29
15,332
15,998

4,505
0
11,901
16,406

4,474
0
11,028
15,502

503
1,449
16,566
18,518

0
0
0
0

30–89 days past due loans held for sale ................................................................
90+ days past due loans held for sale ....................................................................
Nonaccrual loans held for sale ...............................................................................
Total PD & nonacc Lns held for sale .................................................................
Restr loans and leases in compliance ....................................................................
Other real estate owned .........................................................................................

1
0
22,935
22,936
11,255
165,509

4
0
39,676
39,680
16,368
98,634

1
0
34,550
34,551
14,166
132,194

0
0
0
0
11,488
42,690

1
0
0
1
3,258
17,105

OTHER ASSETS:
30–89 days past due ........................................................................................
90+ days past due ............................................................................................
Nonaccrual........................................................................................................
Total other assets PD & nonaccrual ............................................................

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

PERCENT OF LOANS AND LEASES:
30–89 days PD loans & leases...............................................................................
90+ days PD loans & leases ..................................................................................
Nonaccrual loans & leases .....................................................................................
90+ days PD and nonaccrual Lns&Ls ....................................................................

1.60
0.75
3.60
4.35

1.41
0.50
3.22
3.87

57
72
64
59

0.89
0.23
1.75
1.98

1.08
0.26
1.42
1.74

47
60
68
67

1.41
0.31
2.77
3.08

1.58
0.37
2.12
2.58

51
61
68
63

0.83
0.17
1.09
1.26

1.03
0.21
0.94
1.22

40
53
76
65

0.50
0.07
0.21
0.29

0.81
0.15
0.50
0.68

28
42
24
23

30–89 days PD restructured ...................................................................................
90+ days PD restructured.......................................................................................
Nonaccrual restructured .........................................................................................
30–89 days PD loans held for sale .........................................................................
90+ days PD loans held for sale.............................................................................
Nonaccrual loans held for sale ...............................................................................

0.00
0.00
0.04
0.00
0.00
0.06

0.02
0.01
0.14
0.00
0.00
0.03

59
76
56
65
38
84

0.01
0.00
0.03
0.00
0.00
0.11

0.01
0.00
0.02
0.00
0.00
0.02

81
39
75
68
39
91

0.01
0.00
0.03
0.00
0.00
0.09

0.01
0.00
0.09
0.00
0.00
0.02

73
38
59
66
38
86

0.00
0.00
0.05
0.00
0.00
0.00

0.00
0.00
0.01
0.01
0.00
0.01

92
95
85
31
37
34

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.01
0.00
0.01

44
47
34
63
38
35

PERCENT OF LNS&LS + OTHER ASSETS
30+ DAYS PAST DUE AND NONACCRUAL:
30–89 days past due assets ...................................................................................
90+ days past due assets.......................................................................................
Nonaccrual assets ..................................................................................................
30+ days PD & nonaccrual assets ....................................................................

1.60
0.75
3.60
5.95

1.43
0.51
3.24
5.39

57
72
64
59

0.89
0.23
1.75
2.87

1.09
0.26
1.44
2.91

47
60
68
54

1.41
0.31
2.77
4.49

1.58
0.38
2.14
4.24

51
61
68
58

0.83
0.17
1.09
2.09

1.03
0.21
0.95
2.29

40
53
74
50

0.50
0.07
0.21
0.79

0.81
0.15
0.50
1.50

28
42
24
20

PERCENT OF TOTAL ASSETS:
90+ days PD and nonaccrual assets ......................................................................
90+ PD & nonaccrual assets + OREO ...................................................................

2.76
3.04

2.40
2.70

60
60

1.18
1.34

1.12
1.33

57
57

1.91
2.12

1.67
1.94

65
62

0.73
0.81

0.77
0.90

56
53

0.21
0.26

0.42
0.48

27
27

RESTRUCTURED & NONACCRUAL LNS&LS
+ OREO AS PERCENT OF:
Total assets.............................................................................................................
Allowance for loan & lease losses ..........................................................................
Equity cap + ALLL...................................................................................................
Tier 1 cap + ALLL....................................................................................................
Loans & leases + OREO ........................................................................................

2.58
186.35
11.30
30.57
4.06

2.51
183.34
23.24
25.79
4

64
60
26
67
59

1.24
128.31
5.42
19.20
2.07

1.13
116.38
12.37
13.54
1.75

60
67
27
72
64

1.96
166.94
9.14
29.87
3.15

1.64
138.08
16.60
17.74
2.53

65
69
30
79
65

0.73
77.82
3.05
11.03
1.25

0.73
89.33
7.74
8.93
1.14

64
56
19
70
70

0.21
25.21
2.36
2.59
0.30

0.35
50.61
3.91
4.32
0.58

37
23
37
33
27

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 13A

RSSD Number 1078529
City/State HOUSTON, TX

Peer: 1

FR Dist: 6

Past Due and Nonaccrual Loans and Leases
06/30/2009
BHC
Peer 1
30+ DAYS PAST DUE AND NONACCRUAL LNS&LS AS A
PERCENT OF LOAN TYPE:
Real estate
– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

12/31/2007
BHC
Peer 1

Pct

12/31/2006
BHC
Peer 1

Pct

1.81
0.96
4.93

1.65
0.59
4.65

63
77
61

0.89
0.26
2.47

1.19
0.23
1.98

42
65
65

1.50
0.31
4

1.78
0.40
2.82

45
56
76

0.69
0.14
1.49

1.13
0.20
1.23

28
48
69

0.25
0.02
0.25

0.81
0.14
0.56

7
25
23

Coml & indl

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.74
0.32
1.59

0.83
0.20
2.40

51
80
43

0.56
0.14
0.73

0.67
0.08
0.78

45
78
57

0.84
0.33
0.94

0.89
0.13
1.11

55
88
47

0.76
0.23
0.51

0.64
0.08
0.50

67
86
61

0.38
0.06
0.17

0.50
0.05
0.52

40
60
20

Individuals

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

2.12
0.43
0.10

1.95
0.52
0.56

64
61
26

1.35
0.25
0.03

1.61
0.37
0.27

47
55
30

1.88
0.39
0.04

2.05
0.45
0.37

50
63
29

1.56
0.25
0.02

1.65
0.29
0.24

49
58
28

1.50
0.32
0.12

1.57
0.31
0.14

52
68
59

Dep inst lns

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.00
0.00
0.00

0.05
0.00
0.36

45
46
36

0.00
0.00
0.00

0.00
0.00
0.00

46
48
47

0.00
0.00
0.00

0.02
0.00
0.02

45
48
43

0.00
0.00
0.00

0.02
0.01
0.00

44
46
47

Agricultural

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

1.84
0.29
5.56

0.49
0.03
1.11

88
91
88

0.47
0.06
1.25

0.41
0.01
0.40

71
84
84

3.26
0.24
2.89

0.47
0.02
0.74

93
93
86

0.35
0.02
0.17

0.28
0.02
0.43

65
77
51

Foreign govts

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Other lns & ls

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

0.66
0.00
0.08
0.63
0.00
0.51

0.46
0.10
0.81

0.18
0.00
0.07

0.01
0.00
0.00
69
23
48

1.57
0.01
0.00

0.55
0.03
0.34

85
57
21

1.50
0.02
0.61

0.67
0.06
0.48

0.00
0.00
0.00
0.48
0.00
0.00

1.85
0.27
0.53

0.59
0.03
0.23

71
38
22

1.35
0.00
0.00

0.29
0.00
0.00
83
55
69

0.27
0.02
0.36

86
94
83

2.48
0.02
0.00

0.49
0.02
0.14

94
71
13

BHC Name BBVA USA BANCSHARES, INC.

FR BHCPR
Page 13B

RSSD Number 1078529
City/State HOUSTON, TX

Peer: 1

FR Dist: 6

Past Due and Nonaccrual Loans and Leases—Continued
06/30/2009
BHC
Peer 1
MEMORANDA:
1–4 family
– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

12/31/2007
BHC
Peer 1

Pct

12/31/2006
BHC
Peer 1

Pct

1.31
0.15
1.76

1.62
0.68
2.75

47
41
46

0.78
0.11
0.49

1.29
0.30
1.27

33
40
28

1.38
0.15
1.11

1.89
0.49
1.87

40
39
46

0.76
0.14
0.38

1.17
0.28
0.87

33
42
34

0.39
0.04
0.22

1.04
0.20
0.50

16
37
31

Revolving

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.88
0.15
0.96

0.80
0.18
1.25

61
60
62

0.56
0.08
0.52

0.73
0.10
0.69

45
57
51

1.01
0.21
0.60

1
0.17
0.78

63
69
54

0.76
0.13
0.38

0.83
0.10
0.47

54
69
54

0.33
0.06
0.14

0.65
0.08
0.26

28
56
42

Closed-end

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

1.50
0.16
2.11
0.18
0.05
0.11

1.90
0.89
3.38
0.17
0.03
0.23

47
42
49
57
76
39

0.87
0.13
0.48
0.09
0.01
0.06

1.48
0.35
1.48
0.13
0.02
0.12

36
42
24
40
60
44

1.55
0.12
1.34
0.18
0.03
0.08

2.25
0.62
2.26
0.21
0.03
0.19

40
36
40
56
64
33

0.76
0.14
0.38
0.09
0.01
0.05

1.32
0.34
1
0.13
0.02
0.09

34
45
28
40
59
46

0.42
0.03
0.26
0.08
0.01
0.03

1.19
0.24
0.58
0.10
0.01
0.05

17
35
32
41
59
46

Commercial RE – 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

2.10
1.43
6.73

1.51
0.36
5.85

75
87
63

0.96
0.34
3.57

1
0.13
2.39

57
85
76

1.54
0.39
5.64

1.59
0.20
3.35

52
77
80

0.64
0.13
2.06

1.03
0.10
1.34

34
68
77

0.18
0.01
0.27

0.63
0.05
0.54

8
40
28

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

2.97
1.99
10.64
1.14
1.04
4.46
1.82
0.95
6.18

2.57
0.61
12.12
0.67
0.21
4.26
1.77
0.39
7.49

56
85
47
77
88
64
59
81
46

1.14
0.34
5.58
0.37
0.10
1.71
0.78
0.24
3.87

1.82
0.27
4.95
0.70
0.09
2.46
1.02
0.15
2.32

32
67
60
32
70
55
45
76
79

2.32
0.64
8.83
1.56
0.54
3.52
0.75
0.10
5.31

2.92
0.38
7.85
0.87
0.15
3.25
1.90
0.20
4.13

47
74
64
77
84
68
25
57
67

0.85
0.14
2.95
0.33
0.04
0.44
0.52
0.10
2.51

1.74
0.15
2.39
0.69
0.08
1.03
0.96
0.07
1.18

33
62
68
39
59
39
42
71
86

0.22
0.01
0.14

0.87
0.05
0.50

19
49
34

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

2.84
1.64
2.15

0.97
0.15
2.98

91
92
47

3.62
2.75
1.17

0.76
0.07
0.97

94
97
70

0.72
0.14
3.65

1.07
0.07
1.95

45
80
80

0.09
0.19
1.09

0.77
0.04
0.66

16
86
73

0.16
0.00
0.20

0.43
0.04
0.38

45
33
56

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
Owner Occ
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................
Other
– 30-89 days PD ....................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

0.83
0.64
1.92
0.17
0.12
0.60
0.66
0.52
1.32

0.88
0.18
2.91
0.28
0.04
0.69
0.55
0.12
1.94

55
86
41
41
81
50
64
87
47

0.39
0.08
0.85
0.22
0.03
0.45
0.17
0.05
0.40

0.55
0.06
0.91
0.17
0.02
0.28
0.34
0.04
0.54

37
66
57
65
66
72
36
71
57

0.60
0.10
1.61
0.24
0.05
0.62
0.36
0.04
0.99

0.98
0.08
1.27
0.36
0.03
0.40
0.55
0.05
0.70

33
59
75
37
75
70
44
66
70

0.39
0.11
0.84
0.14
0.05
0.38
0.25
0.06
0.46

0.60
0.05
0.61
0.21
0.02
0.24
0.36
0.02
0.31

34
77
71
37
77
77
46
84
74

0.12
0.00
0.50

0.47
0.03
0.51

16
40
53

Jr lien

Const & dev
1–4 family
Other

Multifamily

Nonfarm nres

Farmland

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

1.64
0.43
6.14

0.61
0.08
2.16

83
88
83

0.09
0.00
3.20

0.89
0.04
0.69

27
34
94

3.01
0.70
2.83

0.59
0.07
1.01

93
91
85

1.50
0.36
1.85

0.50
0.01
0.56

87
96
85

0.01
0.00
0.23

0.44
0.05
0.58

40
37
41

Credit card

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

2.58
2.72
0.00

1.93
1.34
0.50

66
82
31

2.06
1.67
0.00

1.66
0.94
0.34

65
73
32

2.70
2.57
0.00

1.96
1.21
0.30

61
80
34

2.15
1.75
0.00

1.67
0.84
0.17

64
78
35

2.41
2.02
0.00

1.69
0.98
0.13

77
81
35

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
HOUSTON, TX
City/State

FR BHCPR
Page 14

FR Dist: 6

Peer: 1

Risk-Based Capital
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

TIER 1 CAPITAL: ($000)
Total equity capital ............................................................................................
Net unrealized gains (losses) on AFS secs ......................................................
Less: Net unrealized loss on AFS eq secs.......................................................
Accum net gains (losses) on cash flow hedges ................................................
Less: Nonqualifying perpetual pref stock .........................................................
Qualifying other capital elements......................................................................
Less: Disallowed goodwill and oth intang ........................................................
Less: Cumulative change in fair values of liabilities .........................................
Less: Disallowed servicing assts and PCCR ...................................................
Less: Disallowed deferred tax assets ..............................................................
Other additns to (deduct from) tier 1 capital .....................................................
Tier 1 capital ...........................................................................................................

12,776,545
18,179
0
-1,906
0
835,654
9,382,048
0
0
0
-11,522
4,202,356

13,373,722
-47,223
296
22,846
0
135,784
10,164,446
0
119
0
-15,050
3,353,972

12,619,417
-43,358
0
7,948
0
135,675
9,423,274
0
0
0
-13,108
3,354,120

13,514,132
36,943
62
13,281
0
136,940
10,249,453
0
613
0
-9,919
3,340,801

2,824,134
-41,266
0
-11,028
0
416,871
726,733

TIER 2 CAPITAL:
Qualifying sub debt & redeemable pref stock ...................................................
Cumulative PPS includible in tier 2 ...................................................................
ALLL includible in tier 2 .....................................................................................
Unrlzd gains on AFS eq sec incl in tier 2 ..........................................................
Other tier 2 capital components ........................................................................
Allowable tier 2 capital (limited to amount of tier 1 capital).....................................

886,959
0
545,090
0
0
1,432,049

917,909
0
535,504
0
0
1,453,413

885,431
0
558,395
0
0
1,443,826

936,442
0
495,026
16
0
1,431,484

673,178
0
297,038
43
0
970,259

TIER 3 CAPITAL:....................................................................................................
Total RB capital before deductions ...................................................................
Less: Deductions for RBC................................................................................
TOTAL RISK-BASED CAPITAL ..............................................................................

0
5,634,405
0
5,634,405

0
4,807,385
0
4,807,385

0
4,797,946
0
4,797,946

0
4,772,285
0
4,772,285

0
3,513,448
0
3,513,448

RISK-WEIGHTED ASSETS:
Total on-B/S RWA ...................................................................................................
Total off-B/S items & deriv cr eq RWA ....................................................................
Risk-weighted assets..............................................................................................
Market risk equivalent assets .................................................................................
Risk-weighted assets before deductions ................................................................
Less: Excess allow for loan & lease loss ...............................................................
Less: Alloc transfer risk reserve .............................................................................
Total risk-weighted assets ......................................................................................
Average total assets for leverage ratio ...................................................................

38,646,838
4,960,362
43,607,199
0
43,607,199
301,938
0
43,305,261
51,099,072

38,566,506
4,273,790
42,840,295
0
42,840,295
78,845
0
42,761,450
49,754,523

39,601,897
5,069,696
44,671,592
0
44,671,592
196,107
0
44,475,485
52,606,365

35,831,453
3,776,642
39,608,094
0
39,608,094
83,911
0
39,524,183
47,334,289

26,263,197
3,684,240
29,947,437
0
29,947,437
0
0
29,947,437
33,426,336

MEMORANDA:
Mortgage servicing assets ......................................................................................
Purchased credit card relationships & NMSA.........................................................
All other identifiable intangible assets ....................................................................
Cap purch prog–SR perp pref stk ...........................................................................
Cap purch prog–warrants .......................................................................................

175
1,118
464,087
0
0

269
1,550
667,497

216
1,326
546,419

6,796
1,798
791,856

356
2,706
55,180

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

BHC

Peer 1

Pct

186
0
-23,191
2,543,189

BHC

Peer 1

Pct

CAPITAL RATIOS:
Tier 1 leverage ratio ................................................................................................
Tier 1 RBC ratio ......................................................................................................
Total risk-based capital ratio ...................................................................................
Tangible tier 1 leverage ratio ..................................................................................
Tangible common eq cap / Tan assets ...................................................................

8.22
9.70
13.01
7.92
6.46

8.28
10.69
13.32
7.97
5.13

40
34
43
44
73

6.74
7.84
11.24
6.27
5.84

7.48
9.14
11.87
7.12
5.16

25
18
34
25
58

6.38
7.54
10.79
6
5.67

8.29
10.29
13.01
7.98
4.63

22
15
18
27
62

7.06
8.45
12.07
6.53
6.20

7.42
8.95
11.60
7.07
5.60

40
41
67
31
67

7.61
8.49
11.73
7.58
6.23

7.79
9.59
12.18
7.47
5.92

39
27
35
46
55

OTHER RATIOS:
Mtg srvg assets / Prin bal 1–4 fam others ..............................................................
Est FV of mtg srvg assets / Mtg serv asts ..............................................................

0.03
341.71

0.83
107.29

8
96

0.05
315.61

0.91
112.86

11
96

0.04
307.87

0.65
109.21

11
98

0.67
111.42

0.87
111.93

31
65

0.04
202.53

0.89
115.91

15
94

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 15

Peer: 1

FR Dist: 6

Insurance and Broker-Dealer Activities
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

Percent Change

1-qtr
INSURANCE ACTIVITIES: ($000)
Total insurance underwriting assets ......................................
Total property casualty companies ..................................
Reinsurance recoverables (P/C) ................................
Total life health companies ..............................................
Reinsurance recoverables (L/H) ................................
Separate account assets (L/H) ..................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

Total insurance underwriting equity .......................................
Total property casualty companies ..................................
Total life health companies ..............................................
Total insurance underwriting net income ...............................
Total property casualty companies ..................................
Total life health companies ..............................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

Claims & claims adj expense reserves (P/C) ........................
Unearned premiums (P/C).....................................................
Policyholder ben & contracthold funds (L/H) .........................
Separate account liabilities (L/H) ...........................................
Insurance activities revenue ..................................................
Insurance comm & fees (excl premiums) ........................
Ins & reins underwriting inc (incl prem)............................
Premiums ...................................................................
Credit related insur underwriting ..........................
Other insurance underwriting ...............................
Insurance benefits, losses, expenses....................................
Net assets of insurance underwriting subs ............................
Life insurance assets .............................................................

0
0
0
0
26,740
26,740
0
0
0
0
0
0
618,821

0
0
0
0
31,085
31,085
0
0
0
0
0
0
610,444

0
0
0
0
57,077
57,077
0
0
0
0
0
0
615,237

0
0
0
0
19,658
19,658
0
0
0
0
0
0
597,799

0
0
0
0
74,772
74,772
0
0
0
0
0
0
474,664

06/30/2009
BHC
Peer 1
ANALYSIS RATIOS:
Ins underwriting assets / Consol assets ................................
Ins under assets (P/C) / Tot ins und asts .........................
Ins under assets (L/H) / Tot ins und asts .........................
Sep acct assets (L/H) / Total life asts .........................

Pct

BHC

06/30/2008
Peer 1

Pct

BHC

12/31/2008
Peer 1

Pct

12/31/2007
BHC
Peer 1

Pct

12/31/2006
BHC
Peer 1

Pct

0.00

0.12
46.92
53.08
3.29

29

0.00

0.06
39.47
60.53
2.23

30

0.00

0.05
43.79
56.21
2.13

31

0.00

0.05
41.42
58.58
0.98

30

0.00

0.05
44.70
55.30
0.74

28

Ins activities revenue / Adj oper inc .......................................
Premium inc / Ins activities revenue ................................
Credit rel prem inc / Tot prem inc ...............................
Other prem inc / Total prem inc ..................................

2.06
0.00

1.15
15.68
60.55
39.45

76
30

2.26
0.00

1.10
12.97
73.57
26.43

80
32

2.12
0.00

1.05
11.07
75.79
24.21

79
33

1.55
0.00

1.21
10.36
73.60
26.40

68
30

4.07
0.00

1.24
8.92
75.39
24.61

89
29

Ins under net income / Consol net income ............................
Ins net inc (P/C) / Equity (P/C).........................................
Ins net inc (L/H) / Equity (L/H) .........................................
Insur ben, losses, exp / Insur premiums ................................

0.00

0.45
-8.91
2.16
158.28

39

0.00

0.08
6.50
5.70
172.35

42

0.00

-0.06
-5.84
5.55
199.12

50

0.00

0.23
12.02
7.25
133.41

37

0.00

0.21
7.90
6.78
88.63

31

Reinsurance recov (P/C) / Tot assets (P/C)...........................
Reinsurance recov (L/H) / Tot assets (L/H) ...........................
Net assets ins under subs / Cons assets ..............................
Life insurance assets / Tier 1 cap + ALLL..............................
BROKER-DEALER ACTIVITIES
Net assets of broker-dealer subs ($000) ...............................
Net assets broker-dealer subs / Cons asts............................

0.00
12.31

4.10
0.44
0.02
9.65

41
61

0.00

1.08

0
32

0.00
15.48

1.11
0.27
0.01
12.46

41
57

0.00

0.85

0
31

0.00
15.06

4
0.20
0.01
10.51

42
62

0.00

0.63

0
33

0.00
15.36

3.09
0.37
0.00
13.49

41
56

0.00

0.64

0
32

0.00
16.75

2.64
0.29
0.01
11.97

40
61

0.00

0.98

0
33

1-yr

81.65
81.65

-13.98
-13.98

0.23

1.37

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 16

FR Dist: 6

Peer: 1

Foreign Activities
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

FOREIGN ACTIVITIES: ($000)
Total foreign loans and leases ................................................................................
Real estate loans ..............................................................................................
Commercial and industrial loans.......................................................................
Loans to dep inst & other banks accept............................................................
Loans to foreign govts and inst .........................................................................
Loans to individuals ..........................................................................................
Agricultural loans ..............................................................................................
Other foreign loans ...........................................................................................
Lease financing receivables .............................................................................

569,610
226,237
328,514
14,859
0
0
0
0
0

614,581
236,032
378,549
0
0
0
0
0
0

562,822
223,416
339,406
0
0
0
0
0
0

657,301
169,176
407,466
16
0
0
0
80,643
0

5,030
944
4,086
0
0
0
0
0
0

Debt securities ........................................................................................................
Interest-bearing bank balances ..............................................................................
Total selected foreign assets ..................................................................................
Total foreign deposits..............................................................................................
Interest-bearing deposits ..................................................................................
Non-interest-bearing deposits...........................................................................

1,100
0
570,710
72,892
72,892
0

1,121
0
615,702
44,174
44,174
0

1,100
0
563,922
1,388,678
1,388,678
0

1,594
12
658,907
877,206
877,206
0

0
0
5,030
92,750
92,750
0

BHC

Peer 1

Pct

ANALYSIS RATIOS:
Yield: Foreign loans ...............................................................................................
Cost: Interest-bearing deposits ..............................................................................

0.00
0.16

3.14
0.78

22
6

NET LOSSES AS % OF FOREIGN LNS BY TYPE:
Real estate loans ..............................................................................................
Commercial and industrial loans.......................................................................
Foreign governments and inst ..........................................................................

0.19

192.78
1.35
-0.16

19

GROWTH RATES:
Net loans and leases ..............................................................................................
Total selected assets ..............................................................................................
Deposits..................................................................................................................

-7.32
-7.31
65.01

-0.55
3.85
3.73

49
49
80

BHC
0.00
2.68

Peer 1

Pct

2.94 25
2.63 54

46.17
0.47
0.05

11,291.68
11,312.46
-91.96

233.56 98
65.21 96
14.97
2

BHC

Peer 1

Pct

BHC

Peer 1

Pct

0.00
2.01

2.72
2.20

25
42

0.00
2

3
4.23

26
6

0.15

79.79
0.50
0.05

38

0.02

8.22
2.70
-0.24

25

-14.37
-14.42
58.31

22.07
3.60
-10.81

32
38
90

12,967.61
12,999.54
845.77

126.76
126.31
41.77

98
95
97

BHC
0.00
4.94

Peer 1
2.66
4.23

Pct
28
80

68.14
0.22
-0.13

-66.95
-66.95
-84.86

148.72
67.29
33.71

14
7
2

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 17

Peer: 1

FR Dist: 6

Servicing, Securitization and Asset Sale Activities—Part 1
06/30/2009

03/31/2009

12/31/2008

09/30/2008

06/30/2008

Percent Change

1-qtr
ACTIVITY: ($000)
Securitization activities ..........................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commecial and industrial loans .......................................
All other loans and leases................................................
Retained interest-only strips ............................................
1–4 family residential loans........................................
Home equity lines ......................................................
Credit card receivables ..............................................
Auto loans ..................................................................
Commercial and industrial loans ................................
All other loans and leases ..........................................
Retained credit enhancements ..............................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total retained credit exposure ...............................................

427,605
427,605
0
0
0
0
0
11,522
11,522
0
0
0
0
0
21,782
21,782
0
0
0
0
0
33,304

456,763
456,763
0
0
0
0
0
12,688
12,688
0
0
0
0
0
21,803
21,803
0
0
0
0
0
34,491

479,780
479,780
0
0
0
0
0
13,108
13,108
0
0
0
0
0
21,806
21,806
0
0
0
0
0
34,914

499,250
499,250
0
0
0
0
0
13,998
13,998
0
0
0
0
0
21,806
21,806
0
0
0
0
0
35,804

521,617
521,617
0
0
0
0
0
15,050
15,050
0
0
0
0
0
21,806
21,806
0
0
0
0
0
36,856

Unused commit to provide liq (servicer adv) .........................
Seller's interest in securities & loans .....................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

Asset-backed commercial paper conduits .............................
Cr exp from conduits by bank or oth inst .........................
Liq commit from conduits by bank or oth .........................

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

06/30/2009

03/31/2009

12/31/2008

09/30/2008

06/30/2008

ACTIVITY % OF TOTAL ASSETS:
Securitization activities ..........................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and Industrial loans .....................................
All other loans and leases................................................
Asset-backed commercial paper conduits .............................
Cr exp, conduits by bank or oth inst ................................
Liq commit, conduits by bank or oth ................................

0.72
0.72
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.74
0.74
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.77
0.77
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.81
0.81
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.85
0.85
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

PERCENT OF TOTAL MANAGED ASSETS (ONBALANCE-SHEET LOANS + SECURITIZED LOANS):
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans and other consumer loans .............................
Commercial and industrial loans......................................
All other loans and leases................................................

17.61
7.14
1.21
9.59
19.46
45

17.08
7.03
1.18
10.82
20.02
43.87

16.80
6.92
1.21
11.36
20.73
42.98

17.36
6.75
1.23
11.45
20.31
42.90

17.37
6.57
1.33
11.77
20.27
42.69

1-yr

-6.38
-6.38

-18.02
-18.02

-9.19
-9.19

-23.44
-23.44

-0.10
-0.10

-0.11
-0.11

-3.44

-9.64

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 18

FR Dist: 6

Peer: 1

Servicing, Securitization and Asset Sale Activities—Part 2
06/30/2009
PCT TOT SECURITIZATION ACTIVITIES
BY TYPE:
Retained interest-only strips ..................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Retained credit enhancements ..............................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Unused commit to prov liq (servicer adv) ..............................
Seller's interest in securities & loans .....................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
PERCENT OF TIER 1 CAPITAL:
Total retained credit exposure ...............................................
Retained interest-only strips ............................................
Retained credit enhancements ........................................
Tot ret cr exp & asset sale credit exp ...............................

03/31/2009

09/30/2008

06/30/2008

2.69
2.69

2.78
2.78

2.73
2.73

2.80
2.80

2.89
2.89

5.09
5.09

4.77
4.77

4.54
4.54

4.37
4.37

4.18
4.18

0.00
0.00

0.00
0.00

0.00
0.00

0.00
0.00

0.00
0.00

0.79
0.27
0.52
8.99

0.88
0.32
0.56
6.77

1.04
0.39
0.65
3.89

1.09
0.43
0.66
4.13

1.10
0.45
0.65
4.18

06/30/2009
($000)
30–89 DAYS PD SECURITIZED ASSETS:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 30–89 days PD securitized assets ................................
90 DAYS+ PD SECURITIZED
ASSETS: ($000)
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 90 days+ PD securitized assets....................................
Total past due securitized assets...........................................
NET LOSSES ON SECURITIZED
ASSETS: ($000)
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total net losses on securitized assets ...................................

12/31/2008

03/31/2009

12/31/2008

09/30/2008

06/30/2008

Percent Change

1-qtr

1-yr

7,652
0
0
0
0
0
7,652

5,211
0
0
0
0
0
5,211

7,007
0
0
0
0
0
7,007

6,526
0
0
0
0
0
6,526

4,746
0
0
0
0
0
4,746

46.84

61.23

46.84

61.23

206
0
0
0
0
0
206
7,858

235
0
0
0
0
0
235
5,446

155
0
0
0
0
0
155
7,162

133
0
0
0
0
0
133
6,659

137
0
0
0
0
0
137
4,883

-12.34

50.36

-12.34
44.29

50.36
60.93

201
0
0
0
0
0
201

27
0
0
0
0
0
27

254
0
0
0
0
0
254

200
0
0
0
0
0
200

147
0
0
0
0
0
147

644.44

36.73

644.44

36.73

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 19

Peer: 1

FR Dist: 6

Servicing, Securitization and Asset Sale Activities—Part 3
06/30/2009
30–89 DAYS PD SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 30–89 days PD securitized assets ................................

03/31/2009

12/31/2008

09/30/2008

06/30/2008

1.79

1.14

1.46

1.31

0.91

1.79

1.14

1.46

1.31

0.91

0.05

0.05

0.03

0.03

0.03

0.05
1.84

0.05
1.19

0.03
1.49

0.03
1.33

0.03
0.94

0.09

0.02

0.05

0.05

0.06

0.09

0.02

0.05

0.05

0.06

30–89 DAYS PD MANAGED ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total managed loans PD 30–89 days ....................................

1.52
0.88
2.58
0.74
2.01
1.60

1.47
1.03
2.69
0.97
1.78
1.52

1.54
1.01
2.70
0.84
1.61
1.41

1.39
0.88
2.68
1.31
1.58
1.46

0.87
0.56
2.06
0.56
1.03
0.89

90+ DAYS PD MANAGED ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total managed loans PD 90+ days........................................

0.15
0.15
2.72
0.32
1.11
0.74

0.28
0.13
2.79
0.26
0.68
0.51

0.11
0.21
2.57
0.33
0.33
0.31

0.16
0.11
1.96
0.18
0.19
0.20

0.12
0.08
1.67
0.14
0.27
0.23

TOTAL PAST DUE MANAGED ASSETS...............................

2.34

2.03

1.72

1.66

1.11

NET LOSSES ON MANAGED ASSETS
% OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................

0.30
1.06
8.70
1.21
1.42

0.26
0.91
8.09
1.40
0.80

0.13
0.43
5.70
0.85
0.85

0.10
0.34
5.28
0.67
0.70

0.08
0.27
4.84
0.57
0.68

NET LOSSES ON MANAGED ASSETS ...............................

1.24

0.92

0.76

0.62

0.58

90+ DAYS PD SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 90+ days PD securitized assets....................................
TOTAL PD SEC ASSETS % OF SEC ASSETS ......................
NET LOSS ON SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total net losses on sec assets ...............................................

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 20

FR Dist: 6

Peer: 1

Parent Company Income Statement
06/30/2009

06/30/2008

12/31/2008

12/31/2007

12/31/2006

Percent Change

1-yr

5-yr

OPERATING INCOME: ($000)
Income from bank subsidiaries ..............................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

1,501
0
1,501
0
0

375,718
360,000
15,718
0
0

-100

Income from nonbank subsidiaries ........................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

145
145
0
0
0

3,163
3,163
0
0
0

-100
-100

Income from subsidiary BHCs ...............................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

0
0
0
0
0

285,000
285,000
0
0
0

400,000
400,000
0
0
0

0
0
0
0
0

0
0
0
0
0

-100
-100

Total income from subsidiaries ..............................................

0

285,000

400,000

1,646

378,881

-100

-100

Securities gains (losses)........................................................
Other operating income .........................................................

0
0

0
82

0
82

0
244

0
1,417

-100

-100

Total operating income ...............................................

0

285,082

400,082

1,890

380,298

-100

-100

OPERATING EXPENSES: ($000)
Personnel expenses ..............................................................
Interest expense ....................................................................
Other expenses .....................................................................
Provision for loan and lease losses .......................................

10
0
930
0

3,248
0
1,319
0

3,312
0
2,439
0

134
612
6,979
0

3,363
3,476
39,684
0

-99.69
-29.49

-100
-90.39

Total operating expenses ...........................................

940

4,567

5,751

7,725

46,523

-79.42

-91.09

Income (loss) before taxes.........................................
Applicable income taxes (credit)............................................
Extraordinary items................................................................
Income before undist inc of subs ...............................

-940
-329
0
-611

280,515
-1,564
0
282,079

394,331
-1,981
0
396,312

-5,835
-1,366
0
-4,469

333,775
-9,910
0
343,685

Equity in undistributed inc of subs .........................................
Bank subsidiaries.............................................................
Nonbank subsidiaries ......................................................
Subsidiary BHCs..............................................................

98,819
0
0
98,819

-37,354
0
0
-37,354

-777,138
0
0
-777,138

232,984
25,471
-4,487
212,000

116,678
116,666
12
0

Net income (loss)...................................................................

98,208

244,725

-380,826

228,515

460,363

MEMORANDA:
Bank net income ....................................................................
Nonbank net income..............................................................
Subsidiary BHCs' net income ................................................

0
0
98,819

0
0
247,646

0
0
-377,138

25,471
-4,342
212,000

476,666
3,175
0

-100

-45.21
-100
-100

-59.87

-44.82

-100
-100
-60.10

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 21

FR Dist: 6

Peer: 1

Parent Company Balance Sheet
06/30/2009
ASSETS: ($000)
Investment in bank subs .....................................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
Investment in nonbank subs ...............................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
Investment in sub BHCs .....................................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
ASSETS EXCLUDING INV IN SUBS:
Net loans and leases ....................................................................
Securities ......................................................................................
Sec purchased (rev repos) ...........................................................
Cash & due fr affil dep inst............................................................
Cash & due fr unrel dep inst .........................................................
Premises, furn, fix & equip ............................................................
Intangible assets ...........................................................................
Other assets .................................................................................
Bal due fr subs & rel inst ...............................................................
Total assets............................................................................

% of
Total

0
0
0
0
0
0
0
0
0
0
12,766,651
12,766,651
0
0
0

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
99.83
99.83
0.00
0.00
0.00

06/30/2008

% of
Total

0
0
0
0
0
0
0
0
0
0
13,361,322
13,361,322
0
0
0

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
99.90
99.90
0.00
0.00
0.00

12/31/2008

% of
Total

0
0
0
0
0
0
0
0
0
0
12,606,500
12,606,500
0
0
0

12/31/2007

12/31/2006

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
99.80
99.80
0.00
0.00
0.00

0
0
0
0
0
15,433
15,433
0
0
0
13,467,991
13,467,991
0
0
0

3,089,204
3,028,698
0
60,000
506
15,909
15,909
0
0
0
0
0
0
0
0

0
0.00
0
0.00
0.00
0
20,371
0.16
0
0.00
236
0.00
0.00
0
1,259
0.01
0
0.00
12,788,517 100.00

0
0.00
0
0.00
0
0.00
10,853
0.08
0
0.00
721
0.01
63
0.00
1,587
0.01
0
0.00
13,374,546 100.00

0.00
0
0.00
0
0
0.00
0.16
19,851
0.00
0
491
0.00
0.00
21
0.03
4,344
0
0.00
12,631,207 100.00

0
0
0
28,978
0
242
258
3,505
0
13,516,407

0
29,002
0
206,557
0
0
30
32,266
0
3,372,968

LIABILITIES AND CAPITAL:
Deposits .............................................................................................
Securities sold (repos) ........................................................................
Commercial paper ..............................................................................
Other borrowings 1 yr or less .............................................................
Borrowings with mat over 1 yr ............................................................
Subordinated notes and deb ..............................................................
Other liabilities ....................................................................................
Bal due to sub & rel inst......................................................................
Total liabilities ........................................................................
Equity Capital .....................................................................................
Perpetual pfd stk (inc surplus) ......................................................
Common stock ..............................................................................
Common surplus...........................................................................
Retained earnings.........................................................................
Accum oth comprehensive inc ......................................................
Oth equity capital components .....................................................
Total liab and equity capital ................................................................

0
0.00
0
0.00
0.00
0
0
0.00
0
0.00
0
0.00
11,972
0.09
0
0.00
11,972
0.09
12,776,545
99.91
0.00
0
1,897
0.01
13,197,998 103.20
-439,623
-3.44
16,273
0.13
0
0.00
12,788,517 100.00

0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
824
0.01
0.00
0
824
0.01
13,373,722
99.99
0
0.00
1,897
0.01
13,202,973
98.72
192,884
1.44
-24,032
-0.18
0
0.00
13,374,546 100.00

0.00
0
0.00
0
0
0.00
0.00
0
0.00
0
0
0.00
0.09
11,790
0.00
0
11,790
0.09
99.91
12,619,417
0.00
0
1,897
0.02
13,200,410 104.51
-4.34
-547,667
-35,223
-0.28
0.00
0
12,631,207 100.00

0
0
0
0
0
0
2,275
0
2,275
13,514,132
0
1,897
13,200,398
261,975
49,862
0
13,516,407

0
0
67,770
0
0
0
31,917
449,147
548,834
2,824,134
0
271,207
430,826
2,380,160
-53,932
-204,127
3,372,968

MEMORANDA:
Loans and adv fr bank subs ...............................................................
Loans and adv fr nonbk subs .............................................................
NP to subs iss tr prf sec ................................................................
Loans and adv from sub BHCs...........................................................
Subord & LT debt 1 yr or less .............................................................
Guar lns to bks, nonbks, BHCs ..........................................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0.00
0.00
0.00
0.00
0.00
0.00

0
0
0
0
0
0

0
439,176
425,000
0
0
0

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

Percent Change
1-yr
5-yr
-100

-100
-100
-100
-100
-100

-4.45
-4.45

-100
87.70

-88.84

-67.27
-100
-20.67

-97.44

-4.38

413.57

-100

1,352.91
-4.47

-100
-62.25
-100
-97.92
566.90

0.00
-0.04

-99.28
5,156.78

-4.38

413.57

1,352.91

-100
-100
-100

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 22

FR Dist: 6

Peer: 1

Parent Company Analysis—Part 1
BHC
PROFITABILITY:
Net income / Avg equity capital ..............................................................................
Bank net inc / Avg eq inv in banks ..........................................................................
Nonbk net inc / Avg eq inv in nonbanks..................................................................
Sub BHCs net inc / Avg eq inv in sub BHCs...........................................................
Bank net income / Parent net income.....................................................................
Nonbank net income / Parent net income ..............................................................
Sub BHCs net inc / Parent net income ...................................................................
LEVERAGE:
Total liabilities / Equity capital .................................................................................
Total debt / Equity capital........................................................................................
Tot debt + NP to subs Iss tr pref / Equity capital .....................................................
Tot debt + Lns guaranteed for affl / Equity capital ..................................................
Total debt / Eq cap – exc over fair value.................................................................
Long-term debt / Equity capital ...............................................................................
Short-term debt / Equity capital ..............................................................................
Current portion of LT debt / Equity capital ..............................................................
Exc cost over fair value / Equity capital ..................................................................
Long-term debt / Consolidated LT debt ..................................................................
DOUBLE LEVERAGE:
Equity investment in subs / Equity capital ..............................................................
Total investment in subs / Equity capital .................................................................
Equity inv in subs / Eq cap, Qual TPS + Oth PS in T1 ...........................................
Total inv in subs / Eq cap, Qual TPS + Oth PS in T1..............................................
DOUBLE LEVERAGE PAYBACK:
Equity inv in subs – eq cap / Net inc (X) .................................................................
Eq inv in subs – eq cap / Net inc-div (X).................................................................
COVERAGE ANALYSIS:
Op inc-tax + noncash / Oper exp + div ...................................................................
Cash fl fr op + noncash + op ex / Op ex + div ........................................................
Adj cash fl / Op exp + repaid LT debt + div.............................................................
Pretax oper inc + int exp / Int expense ...................................................................
Pretax opinc + int exp + tr pref / Int exp + tr ...........................................................
Div + int from subs / Int exp + div ...........................................................................
Fees + other inc from subs / Sal + oth exp .............................................................
Net inc / Curr part of LT debt + pfd div (X) ..............................................................
OTHER RATIOS:
Net assets repr in 1 yr / Total assets ......................................................................
PAST DUE AND NONACCRUAL AS % OF LNS&LS:
90+ days past due ............................................................................................
Nonaccrual........................................................................................................
Total ............................................................................................................
GUARANTEED LOANS AS % OF EQUITY CAPITAL:
To bank subsidiaries .........................................................................................
To nonbank subsidiaries ...................................................................................
To subsidiary BHCs ..........................................................................................
Total ............................................................................................................
AS A PCT OF CONSOLIDATED BHC ASSETS:
Nonbank assets of nonbank subsidiaries ...............................................................
Combined thrift assets ............................................................................................
Combined foreign nonbank sub assets ..................................................................

06/30/2009
Peer 1

1.54

Pct

BHC

06/30/2008
Peer 1

55

3.62

1.56
0.00
0.00
100.62

-5.47
0.25
-2.92
-7.64
88.30
23.42
73.87

61
10
11
50

0.09
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

51.48
24.11
34.27
28.26
24.87
18.91
4.55
0.27
0.59
17.36

99.92
99.92
93.79
93.79

Pct

BHC

12/31/2008
Peer 1

34

-2.84

0.00
3.67
0.00
0.00
101.19

4.82
7.72
1.50
4.10
82.31
5.73
76.43

30
48
8
7
64

0.00
-2.84

2
15
6
15
15
17
30
36
34
17

0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

35.36
17.32
27.02
19.87
17.59
11.85
4.54
0.10
0.47
12.77

4
13
5
12
13
20
25
39
34
20

108.82
129.97
100.18
118.85

35
21
36
25

99.91
99.91
98.90
98.90

112.09
121.90
101.12
110.06

20
11
48
35

-0.05

0.30
7.89

40

-0.03

2.11
8.24

16

64.36
184.68
184.68

79.03
95.66
68.48
378.12
238.89
71.54
12.33
4.92

47
84
84

89.72
89.84
94.35

50
46
24

92.37
94.70
98.01

32

90.48
0.00

89.25
100.45
149.11
1,117.50
521.95
100.81
15.80
158.84

43
30

93.02
0.00

4.07

38

0.07

1.19

41

0.18

0.00

0.16

0.00
0.71
0.88

Pct

-3.42
0.65
-1.92
-3.51
88.60
13.08
80.03

36

0.09
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

33.21
17.49
27.04
19.83
17.69
11.95
3.65
0.21
0.30
13.97

99.90
99.90
98.84
98.84

105.96
116.40
95.48
104.93

12/31/2007
Peer 1

35.29
15.66
25.31
17.33
15.89
11.77
3.12
0.28
0.40
14.84

37
34
40
33
34
16
66
34
34
16

14
8
43
31

107.81
109.95
93.95
95.81

110.24
121.05
99.43
108.62

42
42
26
20

1.65
4.89

11

0.48
0.85

0.91
2.26

34
28

131.72
138.88
96.06
5,442.83
915.84
165.84
15.70
348.50

5
1
13
3
1
84
29

159.70
171.21
90.83
9,702.27
1,020.07
186.27
0.00

136.59
134.43
114.51
3,185.46
651.11
157.02
15.33
128.89

62
72
14
90
75
65
29

-0.11

50

4.10

0.78

71

0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

34.44
16.48
26.01
18.53
16.69
11.89
3.73
0.05
0.29
12.74

2
13
5
12
13
20
25
37
35
20

35
26
65
52

99.77
99.77
98.77
98.77

112.58
122.25
100.18
108.32

-0.13

47
31

42.15
-147.50
52.97
-853.43
-106.18
268.95
0.00

4.58

36

0.22

0.00
8.55
8.55

17.28
16.99
20.20

Pct

19.43
2.40
17.45
2.40
2.40
0.00
2.40
0.00
0.00
0.00

4
14
6
14
14
18
28
36
34
18

49
46
15

12/31/2006
Peer 1

75
69
82

92.77

92.64
95.72
168.39
921.02
420.71
107.58
13.56
34.33

BHC

13.95
14.64
9.27
8.92
76.65
4.94
69.45

17
12
4
51
18

44
28

3.27
0.69
-27.50
7.87
11.15

Pct

8.75
9.71
6.73
6.54
78.21
5.89
73.87

1.53
4.94

0.00
2.36
2.36

BHC

103.54
0.69

52

0.00
0.66
0.66

63
46

0.00
11.33
11.33

0.00
0.00
0.00
0.00

0.00
1.65
0.00
1.86

46
41
48
40

0.00
0.00
0.00
0.00

0.00
0.99
0.01
1.79

45
42
47
40

0.00
0.00
0.00
0.00

0.01
1.27
0.00
1.52

45
42
47
40

0.00
0.00
0.00
0.00

0.00
0.48
0.00
0.60

46
43
47
41

0.00
0.00
0.00
0.00

0.00
0.25
0.01
0.36

46
44
47
42

0.00
0.00
0.00

11.66
0.53
1.30

5
42
34

0.00
0.00
0.00

6.77
0.18
0.18

6
44
36

0.00
0.00
0.00

6.04
0.37
0.12

6
43
37

0.03
0.00
0.00

5.39
0.23
0.11

19
44
37

0.00
0.00
0.00

5.81
0.39
0.11

15
42
36

BHC Name BBVA USA BANCSHARES, INC.
RSSD Number 1078529
City/State HOUSTON, TX

FR BHCPR
Page 23

FR Dist: 6

Peer: 1

Parent Company Analysis—Part 2
06/30/2009
BHC
Peer 1
PAYOUT RATIOS - PARENT:
Div paid / Inc before undist inc ...............................................................................
Dividends paid / Net income ...................................................................................
Net income – dividends / Avg equity.......................................................................

0.00
1.54

112.69
76.44
-8.25

Pct

6
71

BHC

06/30/2008
Peer 1

Pct

12/31/2008
BHC
Peer 1

111.67
128.72
-1.04

173.68
56.44
0.33

56
90
30

108.50

0.00
0.00
90.48
90.48

67.55
3.17
14.81
103.37

16
24
83
41

60

-6.04

121.25
67.94
-7.62

0.00
0.00
93.02
93.02

73.41
5.67
12.27
114.66

14
20
87
40

PERCENT OF DIVIDENDS PAID:
Dividends from bank subs ................................................................................
Dividends from nonbank subs ..........................................................................
Dividends from subsidiary BHCs ......................................................................
Dividends from all subsidiaries ...................................................................

40.55
5.20
2.61
64.49

PAYOUT RATIOS - SUBSIDIARIES:
PERCENT OF BANK NET INCOME:
Dividends from bank subs...........................................................................
Interest income from bank subs ..................................................................
Mgt & service fees from bank subs .............................................................
Other income from bank subs .....................................................................
Operating income from bank subs ........................................................

57.01
3.45
19.09
0.40
92.48

53.58
4.10
5.95
0.01
71.30

78.98
5.30
5.52
0.06
110.41

78.93
47.48
6.84
0.02
161.21

64.66
20.21
0.93
0.00
91.21

60.27
13.52
4.20
0.01
85.61

PERCENT OF NONBANK NET INCOME:
Dividends from nonbank subs.....................................................................
Interest income from nonbank subs ............................................................
Mgt & serv fees from nonbank subs ...........................................................
Other income from nonbank subs ...............................................................
Operating inc from nonbank subs .........................................................
PERCENT OF SUB BHCs' NET INCOME:
Dividends from subsidiary BHCs ................................................................
Interest inc from subsidiary BHCs...............................................................
Mgt & serv fees from sub BHCs..................................................................
Other income from subsidiary BHCs...........................................................
Operating income from sub BHCs ........................................................

0.00
0.00
0.00
0.00
0.00

29.22
5.83
11.39
0.00
46.44

21
28
32
50
14

115.08
0.00
0.00
0.00
115.08

59.53
12.34
3.05
0.00
74.93

83
27
38
50
72

Pct

39

BHC

12/31/2007
Peer 1

0.00
3.27

71.25
50.51
3.66

Pct

3
43

129.55
8.12
16.03
194.05

0.00
5.89
0.00
0.00
5.89

86.39
4.07
4.86
0.04
104.62

2
76
30
46
5

80.92
60.61
2.56
0.03
188.18

134.04
20.51
3.96
0.00
158.51

0.00
0.00
0.00
0.00
0.00

38.68
8.74
1.78
0.00
54.91

21
21
38
50
9

BHC

12/31/2006
Peer 1

Pct

58.17
43.43
9.77

68.73
36.79
8.58

46
55
60

180.07
1.58
0.00
181.65

125.44
6.21
17.75
175.07

65
55
37
57

75.52
3.30
0.00
0.00
78.82

66.52
3.07
3.62
0.01
76.68

56
74
30
47
50

99.62
0.00
0.00
0.00
99.62

55.89
30.14
3.76
0.02
109.39

66
20
35
46
57

46.80
4.08
0.44
0.00
54.75

DEPENDENCE ON SUBSIDIARIES:
PERCENT OF TOTAL OPERATING INCOME:
Dividends from bank subsidiaries ...............................................................
Interest income from bank subs ..................................................................
Mgt & serv fees from bank subs .................................................................
Other income from bank subs .....................................................................
Operating income from bank subs ........................................................

25.75
5.67
5.66
0.01
44.86

0.00
0.00
0.00
0.00
0.00

44.35
6.54
3.94
0.00
60.23

20
18
35
49
11

0.00
0.00
0.00
0.00
0.00

47.12
5.47
4.11
0.08
66.85

19
19
35
46
12

0.00
79.42
0.00
0.00
79.42

57.87
2.70
2.72
0.01
69.02

10
98
35
46
34

94.66
4.13
0.00
0.00
98.80

57.66
2.76
3.23
0.00
67.12

79
73
33
47
81

Dividends from nonbank subs.....................................................................
Interest income from nonbank subs ............................................................
Mgt & serv fees from nonbank subs ...........................................................
Other income from nonbank subs ...............................................................
Operating inc from nonbank subs .........................................................

7.22
5.45
0.10
0.00
15.22

0.00
0.00
0.00
0.00
0.00

4.05
3.58
0.11
0.00
10.80

25
24
38
47
14

0.00
0.00
0.00
0.00
0.00

5.44
2.43
0.09
0.00
10.23

22
25
38
47
17

7.67
0.00
0.00
0.00
7.67

3.79
1.80
0.07
0.00
6.46

80
21
37
46
72

0.83
0.00
0.00
0.00
0.83

3
1.87
0.09
0.00
5.90

57
21
37
46
42

Dividends from subsidiary BHCs ................................................................
Interest income from subsidiary BHCs........................................................
Mgt & serv fees from sub BHCs..................................................................
Other income from subsidiary BHCs...........................................................
Operating income from sub BHCs ........................................................

2.42
0.86
0.13
0.00
7.03

99.97
0.00
0.00
0.00
99.97

8.62
0.82
0.13
0.00
12.49

97
40
45
49
95

99.98
0.00
0.00
0.00
99.98

9.68
0.88
0.03
0.00
13.61

97
40
45
49
94

0.00
0.00
0.00
0.00
0.00

9.19
0.58
0.00
0.00
12.75

40
39
46
50
34

0.00
0.00
0.00
0.00
0.00

11.45
0.33
0.01
0.00
13.21

36
42
45
49
34

Loans and adv from subs / St debt .............................................................
Loans and adv from subs / Total debt .........................................................

1,398.48
85.45

648.04
648.04

459.84
135.19

78
92

345.99
125.05

318.54
83.69

1,079.59
124.27