Call reports 2003
DORAL BANK — 2003
What DORAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,526,170,000 | 6,186,418,000 | 6,743,472,000 | 6,720,029,000 |
| Total loans | 2,498,972,000 | 2,542,806,000 | 2,594,461,000 | 2,748,924,000 |
| Allowance for loan losses | 13,653,000 | 15,601,000 | 17,815,000 | 18,574,000 |
| Securities available for sale | 702,146,000 | 1,196,827,000 | 1,807,439,000 | 1,803,232,000 |
| Securities held to maturity | 702,902,000 | 1,059,720,000 | 1,364,566,000 | 1,318,093,000 |
| Trading assets | 531,786,000 | 0 | 0 | 539,000 |
| Total deposits | 2,286,193,000 | 2,436,179,000 | 2,550,377,000 | 2,730,368,000 |
| Interest-bearing deposits | 1,969,071,000 | 2,096,932,000 | 2,221,949,000 | 2,373,059,000 |
| Noninterest-bearing deposits | 317,122,000 | 339,247,000 | 328,428,000 | 357,309,000 |
| Equity capital | 351,797,000 | 386,785,000 | 397,290,000 | 399,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 68,514,000 | 138,817,000 | 209,094,000 | 291,289,000 |
| Interest expense | 42,388,000 | 85,939,000 | 129,646,000 | 173,783,000 |
| Net interest income | 26,126,000 | 52,878,000 | 79,448,000 | 117,506,000 |
| Noninterest income | 30,389,000 | 65,041,000 | 84,825,000 | 97,255,000 |
| Noninterest expense | 15,680,000 | 35,249,000 | 48,273,000 | 69,237,000 |
| Provision for loan losses | 4,051,000 | 6,801,000 | 9,781,000 | 12,269,000 |
| Pretax income | 36,265,000 | 82,881,000 | 97,233,000 | 125,450,000 |
| Income tax | 4,049,000 | 5,975,000 | 5,514,000 | 6,483,000 |
| Net income | 32,216,000 | 76,906,000 | 91,719,000 | 118,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 357,157,000 | 401,960,000 | 416,798,000 | 444,054,000 |
| Total capital | 370,810,000 | 417,561,000 | 434,613,000 | 462,628,000 |
| Risk-weighted assets | 2,381,695,000 | 2,434,444,000 | 2,402,638,000 | 2,483,639,000 |