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Allowance for loan losses (Tables)
 12 Months Ended
Dec. 31, 2018
Allowance For Credit Losses On Financing Receivables Table Text Block
For the year ended December 31, 2018
Puerto Rico - Non-covered loans
(In thousands)CommercialConstructionMortgageLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$171,531$1,286$159,081$11,991$174,215$518,104
Provision (reversal of provision)101,614(1,754)15,2975,52575,779196,461
Charge-offs(82,352)(9)(69,393)(8,297)(138,161)(298,212)
Recoveries16,4211,3634,5712,26732,57357,195
Allowance transferred from covered loans [1]--33,422-18833,610
Ending balance$207,214$886$142,978$11,486$144,594$507,158
Specific ALLL$52,190$56$38,760$320$24,083$115,409
General ALLL$155,024$830$104,218$11,166$120,511$391,749
Loans held-in-portfolio:
Impaired non-covered loans$398,518$1,788$509,468$1,099$104,235$1,015,108
Non-covered loans held-in-portfolio
excluding impaired loans6,974,12584,1675,923,855933,6744,952,54318,868,364
Total non-covered loans held-in-portfolio$7,372,643$85,955$6,433,323$934,773$5,056,778$19,883,472
[1] Represents the allowance transferred from covered to non-covered loans at June 30, 2018, due to the Termination Agreement with the FDIC.

For the year ended December 31, 2018
Puerto Rico - Covered loans
(In thousands)CommercialConstructionMortgageLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$-$-$32,521$-$723$33,244
Provision (reversal of provision)--2,265-(535)1,730
Charge-offs--(1,446)-(2)(1,448)
Recoveries--82-284
Allowance transferred to non-covered loans--(33,422)-(188)(33,610)
Ending balance$-$-$-$-$-$-
Specific ALLL$-$-$-$-$-$-
General ALLL$-$-$-$-$-$-
Loans held-in-portfolio:
Impaired covered loans$-$-$-$-$-$-
Covered loans held-in-portfolio
excluding impaired loans------
Total covered loans held-in-portfolio$-$-$-$-$-$-

For the year ended December 31, 2018
Popular U.S.
(In thousands)CommercialConstructionMortgageLegacyConsumerTotal
Allowance for credit losses:
Beginning balance$44,134$7,076$4,541$798$15,529$72,078
Provision (reversal of provision)7,5515,268(478)(1,861)19,40129,881
Charge-offs(24,920)(5,806)(232)114(22,118)(52,962)
Recoveries5,136-6031,9185,53613,193
Ending balance$31,901$6,538$4,434$969$18,348$62,190
Specific ALLL$-$-$2,451$-$1,810$4,261
General ALLL$31,901$6,538$1,983$969$16,538$57,929
Loans held-in-portfolio:
Impaired loans$-$12,060$9,420$-$8,507$29,987
Loans held-in-portfolio
excluding impaired loans4,670,376681,434792,51525,949424,1566,594,430
Total loans held-in-portfolio$4,670,376$693,494$801,935$25,949$432,663$6,624,417

For the year ended December 31, 2018
Popular, Inc.
(In thousands)CommercialConstructionMortgageLegacyLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$215,665$8,362$196,143$798$11,991$190,467$623,426
Provision (reversal of provision)109,1653,51417,084(1,861)5,52594,645228,072
Charge-offs(107,272)(5,815)(71,071)114(8,297)(160,281)(352,622)
Recoveries21,5571,3635,2561,9182,26738,11170,472
Ending balance$239,115$7,424$147,412$969$11,486$162,942$569,348
Specific ALLL$52,190$56$41,211$-$320$25,893$119,670
General ALLL$186,925$7,368$106,201$969$11,166$137,049$449,678
Loans held-in-portfolio:
Impaired loans$398,518$13,848$518,888$-$1,099$112,742$1,045,095
Loans held-in-portfolio
excluding impaired loans11,644,501765,6016,716,37025,949933,6745,376,69925,462,794
Total loans held-in-portfolio$12,043,019$779,449$7,235,258$25,949$934,773$5,489,441$26,507,889

For the year ended December 31, 2017
Puerto Rico - Non-covered loans
(In thousands)CommercialConstructionMortgageLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$189,686$1,353$143,320$7,662$125,963$467,984
Provision (reversal of provision)4,240(2,690)90,70511,099138,385241,739
Charge-offs(49,591)(3,588)(78,121)(8,407)(109,252)(248,959)
Recoveries27,1966,2113,1771,63719,11957,340
Ending balance$171,531$1,286$159,081$11,991$174,215$518,104
Specific ALLL$36,982$-$46,354$475$21,849$105,660
General ALLL$134,549$1,286$112,727$11,516$152,366$412,444
Loans held-in-portfolio:
Impaired non-covered loans$323,455$-$509,033$1,456$99,180$933,124
Non-covered loans held-in-portfolio
excluding impaired loans6,942,44495,3696,067,746808,5343,230,84117,144,934
Total non-covered loans held-in-portfolio$7,265,899$95,369$6,576,779$809,990$3,330,021$18,078,058

For the year ended December 31, 2017
Puerto Rico - Covered Loans
(In thousands)CommercialConstructionMortgageLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$-$-$30,159$-$191$30,350
Provision--5,098-6445,742
Charge-offs--(4,049)-(122)(4,171)
Recoveries--1,313-101,323
Ending balance$-$-$32,521$-$723$33,244
Specific ALLL$-$-$-$-$-$-
General ALLL$-$-$32,521$-$723$33,244
Loans held-in-portfolio:
Impaired covered loans$-$-$-$-$-$-
Covered loans held-in-portfolio
excluding impaired loans--502,929-14,345517,274
Total covered loans held-in-portfolio$-$-$502,929$-$14,345$517,274

For the year ended December 31, 2017
Popular U.S.
(In thousands)CommercialConstructionMortgageLegacyConsumerTotal
Allowance for credit losses:
Beginning balance$12,968$8,172$4,614$1,343$15,220$42,317
Provision (reversal of provision)65,323(1,103)167(2,275)15,83177,943
Charge-offs(36,399)-(1,223)(897)(19,926)(58,445)
Recoveries2,24279832,6274,40410,263
Ending balance$44,134$7,076$4,541$798$15,529$72,078
Specific ALLL$-$-$2,478$-$953$3,431
General ALLL$44,134$7,076$2,063$798$14,576$68,647
Loans held-in-portfolio:
Impaired loans$-$-$9,242$-$5,057$14,299
Loans held-in-portfolio
excluding impaired loans4,222,962784,660684,38632,980475,4496,200,437
Total loans held-in-portfolio$4,222,962$784,660$693,628$32,980$480,506$6,214,736

For the year ended December 31, 2017
Popular, Inc.
(In thousands)CommercialConstructionMortgageLegacyLeasingConsumerTotal
Allowance for credit losses:
Beginning balance$202,654$9,525$178,093$1,343$7,662$141,374$540,651
Provision (reversal of provision)69,563(3,793)95,970(2,275)11,099154,860325,424
Charge-offs(85,990)(3,588)(83,393)(897)(8,407)(129,300)(311,575)
Recoveries29,4386,2185,4732,6271,63723,53368,926
Ending balance$215,665$8,362$196,143$798$11,991$190,467$623,426
Specific ALLL$36,982$-$48,832$-$475$22,802$109,091
General ALLL$178,683$8,362$147,311$798$11,516$167,665$514,335
Loans held-in-portfolio:
Impaired loans$323,455$-$518,275$-$1,456$104,237$947,423
Loans held-in-portfolio
excluding impaired loans11,165,406880,0297,255,06132,980808,5343,720,63523,862,645
Total loans held-in-portfolio$11,488,861$880,029$7,773,336$32,980$809,990$3,824,872$24,810,068
Impaired Financing Receivables Table [Text Block]
December 31, 2018
Puerto Rico
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$932$932$4$-$-$932$932$4
Commercial real estate non-owner occupied85,58386,28227,49496,005138,378181,588224,66027,494
Commercial real estate owner occupied113,592132,6777,85726,47460,485140,066193,1627,857
Commercial and industrial65,20867,09416,83510,72420,96875,93288,06216,835
Construction1,7881,78856--1,7881,78856
Mortgage408,767458,01038,760100,701135,084509,468593,09438,760
Leasing1,0991,099320--1,0991,099320
Consumer:
Credit cards28,82928,8294,571--28,82928,8294,571
Personal 72,98972,98919,098--72,98972,98919,098
Auto 1,1611,161228--1,1611,161228
Other1,2561,256186--1,2561,256186
Total Puerto Rico$781,204$852,117$115,409$233,904$354,915$1,015,108$1,207,032$115,409

December 31, 2018
Popular U.S.
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Construction$-$-$-$12,060$18,127$12,060$18,127$-
Mortgage7,2378,8992,4512,1833,1279,42012,0262,451
Consumer:
HELOCs6,2366,2851,5581,4981,5727,7347,8571,558
Personal631631252142143773774252
Total Popular U.S.$14,104$15,815$4,261$15,883$22,969$29,987$38,784$4,261

December 31, 2018
Popular, Inc.
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$932$932$4$-$-$932$932$4
Commercial real estate non-owner occupied85,58386,28227,49496,005138,378181,588224,66027,494
Commercial real estate owner occupied113,592132,6777,85726,47460,485140,066193,1627,857
Commercial and industrial65,20867,09416,83510,72420,96875,93288,06216,835
Construction1,7881,7885612,06018,12713,84819,91556
Mortgage416,004466,90941,211102,884138,211518,888605,12041,211
Leasing1,0991,099320--1,0991,099320
Consumer:
Credit Cards28,82928,8294,571--28,82928,8294,571
HELOCs6,2366,2851,5581,4981,5727,7347,8571,558
Personal73,62073,62019,35014214373,76273,76319,350
Auto 1,1611,161228--1,1611,161228
Other1,2561,256186--1,2561,256186
Total Popular, Inc.$795,308$867,932$119,670$249,787$377,884$1,045,095$1,245,816$119,670

December 31, 2017
Puerto Rico
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$206$206$32$-$-$206$206$32
Commercial real estate non-owner occupied101,485102,26223,74411,45427,522112,939129,78423,744
Commercial real estate owner occupied127,634153,49510,22124,63457,219152,268210,71410,221
Commercial and industrial43,49346,9182,98514,54923,97758,04270,8952,985
Mortgage450,226504,00646,35458,80775,228509,033579,23446,354
Leasing1,4561,456475--1,4561,456475
Consumer:
Credit cards33,67633,6765,569--33,67633,6765,569
Personal 62,48862,48815,690--62,48862,48815,690
Auto 2,0072,007425--2,0072,007425
Other1,0091,009165--1,0091,009165
Total Puerto Rico$823,680$907,523$105,660$109,444$183,946$933,124$1,091,469$105,660

December 31, 2017
Popular U.S.
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Mortgage$6,774$8,439$2,478$2,468$3,397$9,242$11,836$2,478
Consumer:
HELOCs3,5303,5427227617804,2914,322722
Personal542542231224224766766231
Total Popular U.S.$10,846$12,523$3,431$3,453$4,401$14,299$16,924$3,431

December 31, 2017
Popular, Inc.
Impaired Loans – With an Impaired Loans
AllowanceWith No AllowanceImpaired Loans - Total
UnpaidUnpaidUnpaid
RecordedprincipalRelatedRecordedprincipalRecordedprincipalRelated
(In thousands)investmentbalanceallowanceinvestmentbalanceinvestmentbalanceallowance
Commercial multi-family$206$206$32$-$-$206$206$32
Commercial real estate non-owner occupied101,485102,26223,74411,45427,522112,939129,78423,744
Commercial real estate owner occupied127,634153,49510,22124,63457,219152,268210,71410,221
Commercial and industrial43,49346,9182,98514,54923,97758,04270,8952,985
Mortgage457,000512,44548,83261,27578,625518,275591,07048,832
Leasing1,4561,456475--1,4561,456475
Consumer:
Credit Cards33,67633,6765,569--33,67633,6765,569
HELOCs3,5303,5427227617804,2914,322722
Personal63,03063,03015,92122422463,25463,25415,921
Auto 2,0072,007425--2,0072,007425
Other1,0091,009165--1,0091,009165
Total Popular, Inc.$834,526$920,046$109,091$112,897$188,347$947,423$1,108,393$109,091

For the year ended December 31, 2018
Puerto RicoPopular U.S.Popular, Inc.
AverageInterestAverageInterestAverageInterest
recordedincomerecordedincomerecordedincome
(In thousands)investmentrecognizedinvestmentrecognizedinvestmentrecognized
Commercial multi-family$693$50$-$-$693$50
Commercial real estate non-owner occupied138,8325,742--138,8325,742
Commercial real estate owner occupied148,9676,528--148,9676,528
Commercial and industrial69,4064,097--69,4064,097
Construction2,094259,565-11,65925
Mortgage509,03817,6639,258165518,29617,828
Leasing1,195---1,195-
Consumer:
Credit cards31,953---31,953-
HELOCs--5,904-5,904-
Personal 68,237415770-69,007415
Auto 1,413---1,413-
Other1,248---1,248-
Total Popular, Inc.$973,076$34,520$25,497$165$998,573$34,685

For the year ended December 31, 2017
Puerto RicoPopular U.S.Popular, Inc.
AverageInterestAverageInterestAverageInterest
recordedincomerecordedincomerecordedincome
(In thousands)investmentrecognizedinvestmentrecognizedinvestmentrecognized
Commercial multi-family$130$4$-$-$130$4
Commercial real estate non-owner occupied117,1824,745--117,1824,745
Commercial real estate owner occupied156,8904,939--156,8904,939
Commercial and industrial60,4661,899--60,4661,899
Mortgage504,70912,6619,006200513,71512,861
Leasing1,642---1,642-
Consumer:
Credit cards36,109---36,109-
HELOCs--2,964-2,964-
Personal 64,467-505-64,972-
Auto 2,065---2,065-
Other915---915-
Total Popular, Inc.$944,575$24,248$12,475$200$957,050$24,448
Schedule Of Breakdown Between Accrual And Nonaccrual Status Of Troubled Debt Restructurings [Table Text Block]
Popular, Inc.
December 31, 2018 December 31, 2017
(In thousands)AccruingNon-AccruingTotalRelated AllowanceAccruingNon-AccruingTotalRelated Allowance
Non-covered loans held-in-portfolio:
Commercial$229,758$130,921$360,679$46,889$161,220$59,626$220,846$32,472
Construction-1,7881,78856----
Mortgage906,712135,7581,042,47041,211803,278126,798930,07648,832
Leases6684401,1083208633931,256475
Consumer94,19315,651109,84424,52393,91612,233106,14922,802
Non-covered loans held-in-portfolio$1,231,331$284,558$1,515,889$112,999$1,059,277$199,050$1,258,327$104,581
Covered loans held-in-portfolio:
Mortgage$-$-$-$-$2,658$3,227$5,885$-
Covered loans held-in-portfolio$-$-$-$-$2,658$3,227$5,885$-
Troubled Debt Restructurings Loan Count By Type Of Modification Table [Text Block]
Popular, Inc.
For the year ended December 31, 2018
Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther
Commercial multi-family-2--
Commercial real estate non-owner occupied317--
Commercial real estate owner occupied464--
Commercial and industrial687--
Construction1---
Mortgage854935957
Leasing--4-
Consumer:
Credit cards579-4432
HELOCs-27111
Personal1,3566-2
Auto-73-
Other25-2-
Total2,059259383492

Popular, Inc.
For the year ended December 31, 2017
Reduction in interest rateExtension of maturity dateCombination of reduction in interest rate and extension of maturity dateOther
Commercial real estate non-owner occupied42--
Commercial real estate owner occupied417--
Commercial and industrial340--
Mortgage5539348125
Leasing-19-
Consumer:
Credit cards491-5537
HELOCs-1481
Personal757623
Auto-541
Other321-1
Total1,346125376668
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
Popular, Inc.
For the year ended December 31, 2018
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial multi-family2$1,377$1,375$106
Commercial real estate non-owner occupied20109,08179,6956,230
Commercial real estate owner occupied6831,23329,9621,170
Commercial and industrial9352,65351,85513,981
Construction14,2104,293474
Mortgage55067,51859,9192,696
Leasing4989630
Consumer:
Credit cards1,01510,06510,6711,331
HELOCs393,9613,891935
Personal1,36421,97621,9796,320
Auto1017315226
Other2760159999
Total3,193$302,946$264,487$33,398

Popular, Inc.
For the year ended December 31, 2017
(Dollars in thousands)Loan countPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentIncrease (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied6$2,172$2,032$146
Commercial real estate owner occupied215,3565,346313
Commercial and industrial432,6554,786507
Mortgage56769,08464,5524,108
Leasing10347347101
Consumer:
Credit cards1,0339,28310,1961,241
HELOCs232,5042,421299
Personal76812,88412,9113,027
Auto102,0431,999362
Other342,0142,01472
Total2,515$108,342$106,604$10,176
T D R Loans Subsequent Default Table [Text Block]
Popular, Inc.
Defaulted during the year ended December 31, 2018
(Dollars in thousands)Loan countRecorded investment as of first default date
Commercial real estate non-owner occupied2$11,245
Commercial real estate owner occupied5480
Commercial and industrial87,208
Mortgage16112,362
Consumer:
Credit cards2362,098
HELOCs2205
Personal1072,300
Auto5115
Other17
Total527$36,020

Popular, Inc.
Defaulted during the year ended December 31, 2017
(Dollars in thousands)Loan countRecorded investment as of first default date
Commercial real estate non-owner occupied3$543
Commercial real estate owner occupied41,912
Commercial and industrial5636
Mortgage11010,112
Leasing4146
Consumer:
Credit cards3693,286
HELOCs197
Personal1393,461
Auto5103
Other19
Total641$20,305
Financing Receivable Credit Quality Indicators Table Text Block
December 31, 2018
SpecialPass/
(In thousands)WatchMentionSubstandardDoubtfulLossSub-totalUnratedTotal
Puerto Rico
Commercial multi-family$1,634$4,548$3,590$-$-$9,772$135,856$145,628
Commercial real estate non-owner occupied470,506233,173342,962--1,046,6411,275,9602,322,601
Commercial real estate owner occupied262,476174,510291,4682,078-730,532991,7211,722,253
Commercial and industrial655,092130,641156,51517773942,4982,239,6633,182,161
Total Commercial1,389,708542,872794,5352,255732,729,4434,643,2007,372,643
Construction1476341,788--2,56983,38685,955
Mortgage3,0572,182154,506--159,7456,273,5786,433,323
Leasing--3,301-123,313931,460934,773
Consumer:
Credit cards--16,035--16,0351,031,2381,047,273
HELOCs--165--1655,1865,351
Personal8491918,827--19,6951,230,9301,250,625
Auto--24,093-8424,1772,584,6082,608,785
Other --14,743-21514,958129,786144,744
Total Consumer8491973,863-29975,0304,981,7485,056,778
Total Puerto Rico$1,393,761$545,707$1,027,993$2,255$384$2,970,100$16,913,372$19,883,472
Popular U.S.
Commercial multi-family$85,901$7,123$6,979$-$-$100,003$1,301,537$1,401,540
Commercial real estate non-owner occupied152,6359,83946,555--209,0291,672,7151,881,744
Commercial real estate owner occupied49,41523,9632,394--75,772223,167298,939
Commercial and industrial5,8251,08476,459--83,3681,004,7851,088,153
Total Commercial293,77642,009132,387--468,1724,202,2044,670,376
Construction35,37537,74158,005--131,121562,373693,494
Mortgage--11,032--11,032790,903801,935
Legacy5342242,409--3,16722,78225,949
Consumer:
Credit cards------3838
HELOCs--2,615-10,96413,579129,473143,052
Personal--1,910-7012,611286,738289,349
Other --4--4220224
Total Consumer--4,529-11,66516,194416,469432,663
Total Popular U.S.$329,685$79,974$208,362$-$11,665$629,686$5,994,731$6,624,417
Popular, Inc.
Commercial multi-family$87,535$11,671$10,569$-$-$109,775$1,437,393$1,547,168
Commercial real estate non-owner occupied623,141243,012389,517--1,255,6702,948,6754,204,345
Commercial real estate owner occupied311,891198,473293,8622,078-806,3041,214,8882,021,192
Commercial and industrial660,917131,725232,974177731,025,8663,244,4484,270,314
Total Commercial1,683,484584,881926,9222,255733,197,6158,845,40412,043,019
Construction35,52238,37559,793--133,690645,759779,449
Mortgage3,0572,182165,538--170,7777,064,4817,235,258
Legacy5342242,409--3,16722,78225,949
Leasing--3,301-123,313931,460934,773
Consumer:
Credit cards--16,035--16,0351,031,2761,047,311
HELOCs--2,780-10,96413,744134,659148,403
Personal8491920,737-70122,3061,517,6681,539,974
Auto--24,093-8424,1772,584,6082,608,785
Other --14,747-21514,962130,006144,968
Total Consumer8491978,392-11,96491,2245,398,2175,489,441
Total Popular, Inc.$1,723,446$625,681$1,236,355$2,255$12,049$3,599,786$22,908,103$26,507,889
The following table presents the weighted average obligor risk rating at December 31, 2018 for those classifications that consider a range of rating scales.
Weighted average obligor risk rating(Scales 11 and 12)(Scales 1 through 8)
Puerto Rico:SubstandardPass
Commercial multi-family11.206.02
Commercial real estate non-owner occupied11.116.93
Commercial real estate owner occupied11.297.25
Commercial and industrial11.337.15
Total Commercial11.227.09
Construction12.007.64
Popular U.S. :SubstandardPass
Commercial multi-family11.007.39
Commercial real estate non-owner occupied11.016.82
Commercial real estate owner occupied11.167.55
Commercial and industrial11.967.26
Total Commercial11.567.14
Construction11.217.85
Legacy11.177.94

December 31, 2017
SpecialPass/
(In thousands)WatchMentionSubstandardDoubtfulLossSub-totalUnratedTotal
Puerto Rico[1]
Commercial multi-family$1,387$1,708$6,831$-$-$9,926$136,473$146,399
Commercial real estate non-owner occupied327,811335,011307,579--970,4011,434,1582,404,559
Commercial real estate owner occupied243,966215,652354,9902,124-816,7321,006,8821,823,614
Commercial and industrial453,546108,554241,695471126804,3922,086,9352,891,327
Total Commercial1,026,710660,925911,0952,5951262,601,4514,664,4487,265,899
Construction1104,1221,545--5,77789,59295,369
Mortgage2,7483,564155,074--161,3866,415,3936,576,779
Leasing--1,926-1,0482,974807,016809,990
Consumer:
Credit cards--18,227--18,2271,074,9941,093,221
HELOCs--257--2575,8306,087
Personal42965920,790--21,8781,200,4341,222,312
Auto--5,446-205,466845,347850,813
Other --16,324-44016,764140,824157,588
Total Consumer42965961,044-46062,5923,267,4293,330,021
Total Puerto Rico$1,029,997$669,270$1,130,684$2,595$1,634$2,834,180$15,243,878$18,078,058
Popular U.S.
Commercial multi-family$11,808$6,345$7,936$-$-$26,089$1,184,604$1,210,693
Commercial real estate non-owner occupied46,52316,56137,178--100,2621,588,0491,688,311
Commercial real estate owner occupied28,18330,8938,590--67,666251,309318,975
Commercial and industrial4,019603123,935--128,557876,4261,004,983
Total Commercial90,53354,402177,639--322,5743,900,3884,222,962
Construction36,8588,29454,276--99,428685,232784,660
Mortgage--14,852--14,852678,776693,628
Legacy6884263,302--4,41628,56432,980
Consumer:
Credit cards--11--1189100
HELOCs--6,084-8,91414,998167,087182,085
Personal--2,069-7042,773295,229298,002
Other ------319319
Total Consumer--8,164-9,61817,782462,724480,506
Total Popular U.S.$128,079$63,122$258,233$-$9,618$459,052$5,755,684$6,214,736
Popular, Inc.
Commercial multi-family$13,195$8,053$14,767$-$-$36,015$1,321,077$1,357,092
Commercial real estate non-owner occupied374,334351,572344,757--1,070,6633,022,2074,092,870
Commercial real estate owner occupied272,149246,545363,5802,124-884,3981,258,1912,142,589
Commercial and industrial457,565109,157365,630471126932,9492,963,3613,896,310
Total Commercial1,117,243715,3271,088,7342,5951262,924,0258,564,83611,488,861
Construction36,96812,41655,821--105,205774,824880,029
Mortgage2,7483,564169,926--176,2387,094,1697,270,407
Legacy6884263,302--4,41628,56432,980
Leasing--1,926-1,0482,974807,016809,990
Consumer:
Credit cards--18,238--18,2381,075,0831,093,321
HELOCs--6,341-8,91415,255172,917188,172
Personal42965922,859-70424,6511,495,6631,520,314
Auto--5,446-205,466845,347850,813
Other --16,324-44016,764141,143157,907
Total Consumer42965969,208-10,07880,3743,730,1533,810,527
Total Popular, Inc.$1,158,076$732,392$1,388,917$2,595$11,252$3,293,232$20,999,562$24,292,794
The following table presents the weighted average obligor risk rating at December 31, 2017 for those classifications that consider a range of rating scales.
Weighted average obligor risk rating(Scales 11 and 12)(Scales 1 through 8)
Puerto Rico:[1]SubstandardPass
Commercial multi-family11.165.89
Commercial real estate non-owner occupied11.066.99
Commercial real estate owner occupied11.287.14
Commercial and industrial11.167.11
Total Commercial11.177.06
Construction11.007.76
Popular U.S.:SubstandardPass
Commercial multi-family11.007.28
Commercial real estate non-owner occupied11.046.74
Commercial real estate owner occupied11.107.14
Commercial and industrial11.826.17
Total Commercial11.596.80
Construction11.007.70
Legacy11.117.93