Attached files
| file | filename |
|---|---|
| 10-Q - FORM 10-Q - DORAL FINANCIAL CORP | g27895e10vq.htm |
| EX-31.1 - EX-31.1 - DORAL FINANCIAL CORP | g27895exv31w1.htm |
| EX-32.1 - EX-32.1 - DORAL FINANCIAL CORP | g27895exv32w1.htm |
| EX-12.1 - EX-12.1 - DORAL FINANCIAL CORP | g27895exv12w1.htm |
| EX-32.2 - EX-32.2 - DORAL FINANCIAL CORP | g27895exv32w2.htm |
| EX-31.2 - EX-31.2 - DORAL FINANCIAL CORP | g27895exv31w2.htm |
| EX-10.22 - EX-10.22 - DORAL FINANCIAL CORP | g27895exv10w22.htm |
Section 2: EX-12.2 (EX-12.2) |
||
| Exhibit 12.2 |
Doral Financial Corporation
Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
| For the quarter ended | ||||
| June 30, 2011 | ||||
Including Interest on Deposits |
||||
Earnings: |
||||
Pre-tax income from continuing operations |
$ | 15,768 | ||
Plus: |
||||
Fixed Charges (excluding capitalized interest) |
97,892 | |||
Total Earnings |
$ | 113,660 | ||
Fixed Charges: |
||||
Interest expensed and capitalized |
$ | 95,950 | ||
Amortized premiums, discounts, and capitalized expenses related to indebtedness |
533 | |||
An estimate of the interest component within rental expense |
1,409 | |||
Total Fixed Charges |
$ | 97,892 | ||
Preferred dividends |
4,830 | |||
Ratio of pre tax loss to net loss |
2.02 | |||
Preferred dividend factor |
9,766 | |||
Total fixed charges and preferred stock dividens |
$ | 107,658 | ||
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends |
1.06 | |||
Excluding Interest on Deposits |
||||
Earnings: |
||||
Pre-tax income from continuing operations |
$ | 15,768 | ||
Plus: |
||||
Fixed Charges (excluding capitalized interest) |
48,450 | |||
Total Earnings |
$ | 64,218 | ||
Fixed Charges: |
||||
Interest expensed and capitalized |
$ | 46,508 | ||
Amortized premiums, discounts, and capitalized expenses related to indebtedness |
533 | |||
An estimate of the interest component within rental expense |
1,409 | |||
Total Fixed Charges |
$ | 48,450 | ||
Preferred dividends |
4,830 | |||
Ratio of pre tax loss to net loss |
2.02 | |||
Preferred dividend factor |
9,766 | |||
Total fixed charges and preferred stock dividens |
$ | 58,216 | ||
Ratio of Earnings to Fixed Charges and Preferred Stock Dividends |
1.10 | |||