Interaudi Bank in New York, New York (NY), FL
Overview, Financial Summary, Detailed Financial Reports, Branches


Interaudi Bank - Overview

  • General
  • FDIC Certificate #: 24516
    Status: Active
    Federal Reserve ID: 538802
    Date Established: June 14, 1983
    WWW: http://www.interaudibank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    OTS Docket #: 11980
    FDIC's unique #: 17037
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization > 1 Billion
    Date of Deposit Insurance: June 14, 1983
    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: 19 East 54th Street, New York, NY 10022
    County: New York
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): New York, NY (#5600)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,277.1 mil
    Equity capital: $103.1 mil
    Deposits held in domestic offices: $1,017.6 mil
    Return on assets (ROA): 0.46% ($5.9 mil)
    Quarterly return on assets: 0.47% ($6.0 mil)
    Return on Equity (ROE): 5.65% ($5.8 mil)
    Quarterly return on equity: 5.76% ($5.9 mil)
    Net income: $5.9 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.80% ($10,217.1 mil)
    Quarterly Pretax return on assets: 0.81% ($10,344.8 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
  • 84Total employees (full-time equivalent)
  • $1,277,133Total assets
  • $396,571Cash and due from depository institutions
  • $389,945Interest-bearing balances
  • $419,551Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $436,290Net loans & leases
  • $3,272Loan loss allowance
  • $0Trading account assets
  • $3,733Bank premises and fixed assets
  • $2,767Other real estate owned
  • $0Goodwill and other intangibles
  • $1,277,133Life insurance assets
  • $18,221All other assets
  • $1,174,083Total liabilities and capital
  • $1,017,576Total liabilities
  • $783,037Total deposits
  • $1,017,576Interest-bearing deposits
  • $65Deposits held in domestic offices
  • 10000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $141,071Trading liabilities
  • $0Other borrowed funds
  • $5,436Subordinated debt
  • $103,050All other liabilities
  • $103,050Total equity capital
  • $103,050Total bank equity capital
  • $0Perpetual preferred stock
  • $4,030Common stock
  • $18,310Surplus
  • $80,710Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,503Income earned, not collected on loans
  • $0Earning assets
  • $1,233Long-term assets (5+ years)
  • $1,245,786Average Assets, year-to-date
  • $113,788Average Assets, quarterly
  • $1,274,899Volatile liabilities
  • $1,265,953Insider loans
  • $546,129FHLB advances
  • $1,265,509Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $105,542Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,741Restructured Loans and leases
  • $33,224Derivatives
  • $130Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,974Total interest income
  • $11,189Total interest expense
  • $21,785Net interest income
  • $300Provision for loan and lease losses
  • $5,218Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,860Additional noninterest income
  • $19,509Total noninterest expense
  • $10,551Salaries and employee benefits
  • $2,139Premises and equipment expense
  • $6,819Additional noninterest expense
  • $7,194Pre-tax net operating income
  • $3,022Securities gains (losses)
  • $4,296Applicable income taxes
  • $5,920Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,920Net income attributable to bank
  • $0Net charge-offs
  • $5,920Cash dividends
  • $293Sale, conversion, retirement of capital stock, net
  • $2,579Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.64%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 1.75%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 1.56%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 5.65%Return on equity (ROE)
  • 3.19%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 102.39%Credit loss provision to net charge-offs
  • 25.58%Efficiency ratio
  • 72,248Assets per employee
  • 15.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.56%Loss allowance to loans
  • 0.74%Loss allowance to noncurrent loans
  • 130.72%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 42.88%Net loans and leases to core deposits
  • 80.41%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 19.33%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $1,274,899Average earning assets
  • $104,730Average equity
  • $1,247,052Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3419307Miami Branch200 South Biscayne Boulevard, Suite 1900, Miami, FL 33131May 01, 2003Full Service Brick and Mortar
  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017037Interaudi Bank19 East 54th Street, New York, NY 10022June 14, 1983Full Service Brick and Mortar

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