Desjardins Bank, National Association in Hallandale, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Desjardins Bank, National Association - Overview

  • General
  • FDIC Certificate #: 33565
    Status: Active
    Federal Reserve ID: 1940747
    Bank Holding Company (Regulatory Top Holder): Federation Des Caisses Desjardins Du Quebec (RSSDID: 3065877, Location: Levis)
    Date Established: Febuary 28, 1992
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9702
    FDIC's unique #: 47448
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 28, 1992
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1001 East Hallandale Beach Boulevard, Hallandale, FL 33009
    County: Broward
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: South Florida
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Fort Lauderdale, FL (#2680)
    Consolidated Metropolitan Statistical Area (CMSA): Miami-Fort Lauderdale, FL (#56)
    Core Based Statistical Area (CBSA): Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    CBSA Metro Statistical Area: Miami-Fort Lauderdale-Pompano Beach, FL (#33100)
    Core Based Statistical Division: Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (#22744)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.2 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $162.1 mil
    Return on assets (ROA): 0.32% ($0.6 mil)
    Quarterly return on assets: -0.30% (-$0.6 mil)
    Return on Equity (ROE): 3.07% ($0.8 mil)
    Quarterly return on equity: -2.22% (-$0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.32% ($605.5 mil)
    Quarterly Pretax return on assets: -0.30% (-$567.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 51Total employees (full-time equivalent)
  • $189,224Total assets
  • $18,003Cash and due from depository institutions
  • $14,668Interest-bearing balances
  • $47,550Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,414Net loans & leases
  • $2,607Loan loss allowance
  • $0Trading account assets
  • $828Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $189,224Life insurance assets
  • $2,429All other assets
  • $164,600Total liabilities and capital
  • $162,066Total liabilities
  • $48,456Total deposits
  • $162,066Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,534Subordinated debt
  • $24,624All other liabilities
  • $24,624Total equity capital
  • $24,624Total bank equity capital
  • $0Perpetual preferred stock
  • $10,060Common stock
  • $12,040Surplus
  • $2,524Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,708Income earned, not collected on loans
  • $0Earning assets
  • $725Long-term assets (5+ years)
  • $182,632Average Assets, year-to-date
  • $30,102Average Assets, quarterly
  • $174,551Volatile liabilities
  • $183,570Insider loans
  • $83,349FHLB advances
  • $187,022Loans and leases held for sale
  • $46Unused loan commitments
  • $46Tier 1 (core) risk-based capital
  • $24,624Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,580Restructured Loans and leases
  • $986Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,999Total interest income
  • $302Total interest expense
  • $5,697Net interest income
  • $725Provision for loan and lease losses
  • $1,643Total noninterest income
  • $0Fiduciary activities
  • $453Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,190Additional noninterest income
  • $6,049Total noninterest expense
  • $3,032Salaries and employee benefits
  • $928Premises and equipment expense
  • $2,089Additional noninterest expense
  • $566Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $566Income before extraordinary items
  • $0Extraordinary gains - net
  • $566Net income attributable to bank
  • $0Net charge-offs
  • $566Cash dividends
  • $1,095Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.61%Yield on earning assets
  • 0.18%Cost of funding earning assets
  • 3.43%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 3.07%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 66.21%Credit loss provision to net charge-offs
  • 1.18%Efficiency ratio
  • 82,411Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 152.63%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 74.30%Net loans and leases to core deposits
  • 78.66%Equity capital to assets
  • 13.01%Core capital (leverage) ratio
  • 13.17%Tier 1 risk-based capital ratio
  • 29.54%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $174,551Average earning assets
  • $18,440Average equity
  • $166,100Average loans

List of branches

  • 3 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047448Desjardins Bank, National Association1001 East Hallandale Beach Boulevard, Hallandale, FL 33009Febuary 28, 1992Full Service Brick and Mortar
    2362707Pompano Beach Branch2741 E. Atlantic Blvd., Pompano Beach, FL 33062October 15, 2001Full Service Brick and Mortar
    3453615Lauderhill Branch7329 W. Oakland Park Blvd., Lauderhill, FL 33319May 05, 2006Full Service Brick and Mortar

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