DORAL FINANCIAL CORP (DRL) [Rocket]

In millions, except per share items	Dec-31-13	Dec-31-12	Dec-31-11	Dec-31-10	Dec-31-09	Dec-31-08	Dec-31-07	Dec-31-06
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	345.9	346.4	327.2	322.3	321.4	342.6	353.2	458.3
Interest income on investments						111.9	69.9	186.7
	360.6	368.5	367.6	405.3	458.3	524.7	579.0	821.9
Interest expense:
Interest on deposits	54.5	63.4	88.3	110.8	125.1	156.7	171.2	155.4
Interest on borrowings	69.6	68.6	63.4	70.7	62.9	21.2	43.9	59.4
	124.2	131.9	151.6	181.5	290.6	347.2	424.6	620.5
Net interest income	484.8	500.4	519.3	586.8	167.6	177.5	154.3	201.4
Provision for loan losses	73.6	176.1	67.5	99.0	53.7
Net interest income after provision for loan losses	411.2	324.3	451.7	487.8	114.0	177.5	154.3	201.4
Deposit and loan fees	24.0	25.9	27.2	28.6	29.1
Gain on sale of investments, net		-6.4	-8.5	-44.7	-133.0
Other non-interest income	47.4	64.8	99.4	-2.4	90.2	8.2
Total non-interest income	71.4	84.3	118.1	-18.6	-13.6	8.2	-75.4	-59.2
Non-interest expenses	311.8	293.5	248.5	323.8	243.8	240.4	303.5	374.3
Pre-tax income	-87.7	-164.8	-9.0	-277.0	-42.6	-32.3	-302.8	-272.0
Income taxes	0.6	-161.5	1.7	14.9	-21.5	286.0	-131.9	-48.1
Tax rate		98.0%			50.4%		43.6%	17.7%
Net income	-97.9	-13.0	-20.4	-274.4	-45.6	-318.3	-170.9	-223.9
Net margin	-20.3%	-3.2%	-3.6%	-58.5%	-45.5%	-171.4%	-216.5%	-157.5%

Basic EPS	($14.86)	($1.99)	($3.20)	($2.96)	($0.81)	($34.44)	($38.72)	($2,058.69)
Diluted EPS	($14.86)	($1.99)	($3.20)	($2.96)	($0.81)	($6.53)	($7.45)	($47.66)

Shares outstanding (basic)	6.6	6.5	6.4	92.7	56.3	9.2	4.4	0.1
Shares outstanding (diluted)	6.6	6.5	6.4	92.7	56.3	48.7	22.9	4.7

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.