Doral Bank - Financial Highlights

Financial Highlights

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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	5,297,801	5,254,935	0.82	5,294,539	0.25
Loans Held for Sale, before Reserves	410,190	379,461	8.10	400,600	9.58
Loan Loss Reserve	142,089	123,143	15.39	146,769	(12.75)
Net Loans Receivable	5,565,902	5,511,253	0.99	5,548,370	1.26
Intangible Assets	4,400	4,400	0.00	4,400	0.00
Total Assets	10,023,676	9,989,908	0.34	9,754,438	11.04
Deposits	4,215,314	4,301,797	(2.01)	4,064,257	14.87
Debt, Senior and Subordinated	4,590,265	4,251,164	7.98	4,540,328	4.40
Common Equity	412,479	583,852	(29.35)	366,262	50.47
Total Shareholders' Equity	880,120	1,157,102	(23.94)	833,903	22.17
Shares Outstanding (actual)	57,764,002	53,810,110	7.35	57,764,002	0.00

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	43,609	47,040	(7.29)	42,090	14.44
Provision for Loan Losses	4,879	7,209	(32.32)	10,133	(207.40)
Noninterest Income	33,174	17,014	94.98	21,116	228.41
Noninterest Expense	59,264	52,448	13.00	51,326	61.86
Net Income Before Taxes	6,354	(696)	NM	(4,438)	NM
Provision for Taxes	(6,855)	1,060	NM	(12,654)	(183.31)
Net Income	13,209	(1,756)	NM	8,216	243.09

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	7.14	10.85	(34.19)	6.34	50.47
Tangible Book Value	7.06	10.77	(34.40)	6.26	51.09
Diluted EPS Before Extra	0.17	(0.19)	NM	0.27	(148.15)
Diluted EPS After Extra	0.17	(0.19)	NM	0.27	(148.15)
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	0.54	(0.07)	61	0.33	21
ROAE	6.59	(0.60)	719	4.15	244
Net Interest Margin	1.87	1.96	(9)	1.80	7
Loans / Deposits	125.68	122.16	352	130.27	(459)
Efficiency Ratio	72.98	82.46	(948)	81.20	(822)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.74	11.54	(280)	8.51	23
Equity/ Assets	8.78	11.58	(280)	8.55	23

Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	9.08	7.34	174	9.12	(4)
Loan Loss Reserves/ Gross Loans	2.49	2.19	30	2.58	(9)
Loan Loss Reserves/ NPAs	15.62	16.80	(119)	16.49	(88)
Net Charge-offs/ Avg Loans	0.67	0.44	24	0.51	16

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.53	16.52	(299)	13.32	21

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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