Call reports 2012
DORAL BANK — 2012
What DORAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 7,343,013,000 | 7,603,319,000 | 7,698,086,000 | 7,797,099,000 |
| Total loans | 5,947,366,000 | 6,086,602,000 | 6,219,482,000 | 6,231,270,000 |
| Allowance for loan losses | 144,927,000 | 139,110,000 | 134,383,000 | 124,196,000 |
| Securities available for sale | 557,824,000 | 591,321,000 | 421,149,000 | 242,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 733,000 | 622,000 | 631,000 | 634,000 |
| Total deposits | 4,610,860,000 | 4,569,675,000 | 4,652,203,000 | 4,667,578,000 |
| Interest-bearing deposits | 4,289,268,000 | 4,232,603,000 | 4,303,134,000 | 4,278,348,000 |
| Noninterest-bearing deposits | 321,592,000 | 337,072,000 | 349,069,000 | 389,230,000 |
| Equity capital | 629,752,000 | 619,694,000 | 652,454,000 | 654,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 83,118,000 | 167,557,000 | 252,477,000 | 339,531,000 |
| Interest expense | 32,304,000 | 63,884,000 | 94,351,000 | 124,384,000 |
| Net interest income | 50,814,000 | 103,673,000 | 158,126,000 | 215,147,000 |
| Noninterest income | 16,072,000 | 28,412,000 | 38,644,000 | 53,029,000 |
| Noninterest expense | 59,045,000 | 126,030,000 | 192,760,000 | 272,878,000 |
| Provision for loan losses | 87,863,000 | 98,247,000 | 131,471,000 | 150,108,000 |
| Pretax income | -79,779,000 | -91,601,000 | -124,829,000 | -150,438,000 |
| Income tax | -61,901,000 | -60,184,000 | -59,661,000 | -59,509,000 |
| Net income | -17,878,000 | -31,417,000 | -65,168,000 | -90,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 608,102,000 | 596,919,000 | 625,714,000 | 629,769,000 |
| Total capital | 672,108,000 | 662,927,000 | 694,619,000 | 698,939,000 |
| Risk-weighted assets | 5,039,572,000 | 5,207,531,000 | 5,446,924,000 | 5,478,584,000 |