Call reports 2008
DORAL BANK — 2008
What DORAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 8,840,290,000 | 8,821,964,000 | 8,701,494,000 | 9,048,489,000 |
| Total loans | 4,675,926,000 | 4,764,248,000 | 4,912,748,000 | 4,931,893,000 |
| Allowance for loan losses | 109,633,000 | 109,921,000 | 110,435,000 | 119,657,000 |
| Securities available for sale | 2,938,287,000 | 2,829,996,000 | 2,759,843,000 | 3,323,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 152,070,000 | 180,555,000 | 181,924,000 | 199,698,000 |
| Total deposits | 4,099,990,000 | 4,299,821,000 | 4,299,251,000 | 4,389,411,000 |
| Interest-bearing deposits | 3,832,845,000 | 4,034,265,000 | 4,038,488,000 | 4,141,526,000 |
| Noninterest-bearing deposits | 267,145,000 | 265,556,000 | 260,763,000 | 247,885,000 |
| Equity capital | 562,928,000 | 526,915,000 | 562,556,000 | 507,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 107,906,000 | 224,378,000 | 339,408,000 | 452,923,000 |
| Interest expense | 75,360,000 | 149,143,000 | 222,588,000 | 297,942,000 |
| Net interest income | 32,546,000 | 75,235,000 | 116,820,000 | 154,981,000 |
| Noninterest income | 12,894,000 | 34,414,000 | 48,139,000 | 64,637,000 |
| Noninterest expense | 45,733,000 | 90,400,000 | 139,208,000 | 197,338,000 |
| Provision for loan losses | 4,057,000 | 13,970,000 | 20,512,000 | 45,805,000 |
| Pretax income | -4,156,000 | 5,473,000 | 1,118,000 | -27,646,000 |
| Income tax | -315,000 | 4,731,000 | 5,328,000 | 104,442,000 |
| Net income | -3,841,000 | 742,000 | -4,210,000 | -132,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 532,831,000 | 537,499,000 | 654,622,000 | 607,494,000 |
| Total capital | 587,185,000 | 592,537,000 | 709,771,000 | 661,881,000 |
| Risk-weighted assets | 4,293,007,000 | 4,348,154,000 | 4,356,620,000 | 4,285,729,000 |