Institution Statistics
| Doral Bank | | FDIC Certificate # | 32102 | | BankRate Report | View | | Year Established | 1981 | | Employees | 1048 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $7.07 billion | | Loans | $5.48 billion | | Deposits | $4.20 billion | | Equity Capital | $629.55 million | | Loan Loss Allowance | $107.43 million | | Unbacked Noncurrent Loans | $467.40 million | | Real Estate Owned | $100.57 million |
Historic Data - September 2010 | | Assets | $8.13 billion | | Equity Capital | $699.89 million | | Loan Loss Allowance | $107.48 million | | Unbacked Noncurrent Loans | $604.21 million | | Real Estate Owned | $83.99 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.57% | | Return on Assets | -0.28% | | Return on Equity | -3.12% | | Interest Income | $246.52 million |
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Institution Health
Overall Score:
3 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 September 30, 2011 Doral Bank had $567.97 million in non-current loans and owned real-estate with $736.98 million in equity and loan loss allowances on hand to cover it. This gives Doral Bank a Texas Ratio of 77.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Doral Bank decreased slightly from 94.12% as of September 30, 2010 to 77.07% as of September 30, 2011, resulting in a positive change of 18.12%.This indicates that the balance sheet and financial strength for Doral Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Doral Bank has decreased its total deposits by -$456.62 million, resulting in -9.81% 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 poor. | | 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 $7.07 billion in assets with $736.98 million in equity, resulting in a capitalization level of 10.42%, which is above average. |
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