Call reports 2005
DORAL BANK — 2005
What DORAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 11,657,467,000 | 12,052,126,000 | 11,130,984,000 | 10,943,402,000 |
| Total loans | 2,665,805,000 | 3,029,859,000 | 2,960,889,000 | 3,332,174,000 |
| Allowance for loan losses | 21,146,000 | 17,726,000 | 17,276,000 | 31,399,000 |
| Securities available for sale | 4,860,001,000 | 5,001,975,000 | 4,785,958,000 | 4,522,973,000 |
| Securities held to maturity | 1,938,386,000 | 1,922,038,000 | 1,855,529,000 | 1,826,085,000 |
| Trading assets | 38,234,000 | 30,044,000 | 31,283,000 | 33,478,000 |
| Total deposits | 3,419,689,000 | 3,806,469,000 | 3,713,685,000 | 3,876,582,000 |
| Interest-bearing deposits | 2,953,954,000 | 3,327,746,000 | 3,278,662,000 | 3,482,695,000 |
| Noninterest-bearing deposits | 465,735,000 | 478,723,000 | 435,023,000 | 393,887,000 |
| Equity capital | 543,389,000 | 622,631,000 | 581,911,000 | 574,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 119,201,000 | 247,208,000 | 381,363,000 | 531,498,000 |
| Interest expense | 76,842,000 | 164,316,000 | 260,764,000 | 356,166,000 |
| Net interest income | 42,359,000 | 82,892,000 | 120,599,000 | 175,332,000 |
| Noninterest income | 34,327,000 | 37,735,000 | 52,363,000 | 52,744,000 |
| Noninterest expense | 24,106,000 | 52,205,000 | 80,690,000 | 108,120,000 |
| Provision for loan losses | 1,467,000 | 3,219,000 | 3,958,000 | 21,202,000 |
| Pretax income | 54,859,000 | 68,061,000 | 90,054,000 | 100,493,000 |
| Income tax | 7,853,000 | 6,926,000 | 10,220,000 | 5,029,000 |
| Net income | 47,006,000 | 61,135,000 | 79,834,000 | 95,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 674,052,000 | 688,181,000 | 706,881,000 | 698,393,000 |
| Total capital | 695,198,000 | 705,907,000 | 724,157,000 | 729,792,000 |
| Risk-weighted assets | 3,022,151,000 | 3,292,722,000 | 3,174,108,000 | 3,638,653,000 |