Call reports 2004
DORAL BANK — 2004
What DORAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 8,019,294,000 | 8,650,465,000 | 11,134,543,000 | 11,174,529,000 |
| Total loans | 2,679,035,000 | 2,885,414,000 | 2,703,384,000 | 2,707,192,000 |
| Allowance for loan losses | 18,779,000 | 20,059,000 | 21,217,000 | 17,961,000 |
| Securities available for sale | 2,011,596,000 | 2,298,724,000 | 3,909,416,000 | 4,454,629,000 |
| Securities held to maturity | 1,796,773,000 | 2,319,706,000 | 2,190,383,000 | 2,002,793,000 |
| Trading assets | 0 | 2,652,000 | 46,558,000 | 37,565,000 |
| Total deposits | 2,944,758,000 | 3,104,336,000 | 3,279,938,000 | 3,365,431,000 |
| Interest-bearing deposits | 2,541,340,000 | 2,715,048,000 | 2,896,278,000 | 2,930,061,000 |
| Noninterest-bearing deposits | 403,418,000 | 389,288,000 | 383,660,000 | 435,370,000 |
| Equity capital | 489,565,000 | 444,284,000 | 523,585,000 | 534,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 76,495,000 | 167,422,000 | 268,298,000 | 384,743,000 |
| Interest expense | 44,414,000 | 92,502,000 | 148,495,000 | 215,429,000 |
| Net interest income | 32,081,000 | 74,920,000 | 119,803,000 | 169,314,000 |
| Noninterest income | 51,044,000 | 72,713,000 | 100,569,000 | 97,569,000 |
| Noninterest expense | 24,297,000 | 41,288,000 | 64,028,000 | 93,774,000 |
| Provision for loan losses | 797,000 | 2,999,000 | 5,053,000 | 8,710,000 |
| Pretax income | 65,385,000 | 111,192,000 | 163,798,000 | 180,669,000 |
| Income tax | 5,188,000 | 12,588,000 | 17,189,000 | 16,651,000 |
| Net income | 60,197,000 | 98,604,000 | 146,609,000 | 164,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 504,256,000 | 542,700,000 | 590,704,000 | 602,929,000 |
| Total capital | 523,035,000 | 562,759,000 | 611,921,000 | 620,890,000 |
| Risk-weighted assets | 2,677,572,000 | 2,901,055,000 | 2,933,053,000 | 3,081,388,000 |