Doral Bank

1451 Fd Roosevelt Avenue
San Juan, PR 920
1-855-513-6725
www.doralbank.com

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Doral Bank is headquartered in San Juan and is the 4^th largest bank in the state of PR. It is also the 131^st largest bank in the nation. It was established in 1981 and as of December of 2012, it had grown to 1,339 employees at 10 locations. Doral Bank's money market rates are 2X the national average, but it has a 2-star health rating.

Doral Bank Routing Number: 221572838

Top CD and IRA CD Rates at Doral Bank New York - Local Only - 3/11/2013

In March Doral Bank NY increased some of its CD and IRA CD rates. The rates had already been competitive before the rate hikes. Now, they are very competitive. The best ones include a 1.20% APY 1-year ...

Top 2-Year & 3-Year CD Rates at Doral Bank NY - Local Only - 8/17/2012

Doral Bank NY has recently increased some of its CD rates, and they're very competitive. The two most competitive rates are 1.50% APY for a 2-year CD and 1.75% APY for a 3-year CD. The 1-year and 18-m ...

Updated Checking & Money Market Account Promotion at Doral Bank NY - 7/20/2012

Doral Bank NY has slightly changed its checking and money market promotions. The money market promo rate is now 1.10% APY which is 10 basis points lower than what it was offering in May . The new prom ...

Checking & Money Market Account Specials at Doral Bank NY - 5/16/2012

Doral Bank NY is offering a nice checking and money market promotion at its New York branches. The checking account special guarantees a 1.10% APY on the Gold Interest Checking for the first 12 months ...

2011

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See Rates for: Checking | Savings | Money Market | CD | IRA

Doral Bank Checking Account Rates

Apy	Min	Max	Product
0.85%	-	-	Gold Interest Checking Special
0.25%^†	-	-	Interest Checking

Doral Bank Savings Account Rates

Apy	Min	Max	Product
0.95%^†	-	-	Statement Savings
0.50%^†	-	-	Business Savings

Doral Bank Money Market Rates

Apy	Min	Max	Product
0.95%	$5k	-	Money Market Special
0.50%^†	-	-	Money Market Accounts
0.50%^†	-	-	Business Money Market Account

Doral Bank CD Rates

Apy	Min	Max	Product
1.85%^†	$500	-	60 Month Certificate
1.65%^†	$500	-	48 Month Certificate
1.55%^†	$500	-	36 Month Certificate
1.45%^†	$500	-	24 Month Certificate
1.25%^†	$500	-	18 Month Certificate
1.20%^†	$500	-	12 Month Certificate
1.00%^†	$500	-	6 Month Certificate

Doral Bank IRA Rates

Apy	Min	Max	Product
1.85%^†	$500	-	60 Month IRA
1.65%^†	$500	-	48 Month IRA
1.55%^†	$500	-	36 Month IRA
1.45%^†	$500	-	24 Month IRA
1.25%^†	$500	-	18 Month IRA
1.20%^†	$500	-	12 Month IRA
1.00%^†	$500	-	6 Month IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

Doral Bank
FDIC Certificate #	32102
BankRate Report	View
Year Established	1981
Employees	1339
Primary Regulator	FDIC
Assets and Liabilities
Assets	$7.80 billion
Loans	$6.11 billion
Deposits	$4.67 billion
Equity Capital	$654.25 million
Loan Loss Allowance	$124.20 million
Unbacked Noncurrent Loans	$679.97 million
Real Estate Owned	$105.73 million
Historic Data - December 2011
Assets	$7.24 billion
Equity Capital	$648.12 million
Loan Loss Allowance	$92.60 million
Unbacked Noncurrent Loans	$475.89 million
Real Estate Owned	$114.26 million
Profit Margin - Quarterly
Net Interest Margin	3.17%
Return on Assets	-1.21%
Return on Equity	-14.19%
Interest Income	$339.53 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Doral Bank had $785.7 million in non-current loans and owned real-estate with $778.45 million in equity and loan loss allowances on hand to cover it. This gives Doral Bank a Texas Ratio of 100.93% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Doral Bank increased slightly from 75.42% as of December 31, 2011 to 100.93% as of December 31, 2012, resulting in a negative change of 33.82%. This indicates that the balance sheet and financial strength for Doral Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Doral Bank has increased its total deposits by $226.88 million, resulting in 5.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Doral Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Doral Bank has $7.8 billion in assets with $778.45 million in equity, resulting in a capitalization level of 9.98%, which is average.