TotalBank in Miami, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


TotalBank - Overview

  • General
  • FDIC Certificate #: 21468
    Status: Active
    Federal Reserve ID: 790534
    Bank Holding Company (Regulatory Top Holder): Banco Popular Espanol, S.A. (RSSDID: 3369995, Location: Madrid)
    Date Established: March 05, 1974
    WWW: http://www.totalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    FDIC's unique #: 14848
    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: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 05, 1974
    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: 2720 Coral Way, Miami, FL 33145
    County: Miami-Dade
    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): Miami, FL (#5000)
    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: Miami-Miami Beach-Kendall, FL (#33124)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,256.9 mil
    Equity capital: $367.8 mil
    Deposits held in domestic offices: $1,470.2 mil
    Return on assets (ROA): 0.19% ($4.3 mil)
    Quarterly return on assets: -0.06% (-$1.4 mil)
    Return on Equity (ROE): 1.15% ($4.2 mil)
    Quarterly return on equity: -0.39% (-$1.4 mil)
    Net income: $4.2 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 0.35% ($7,899.3 mil)
    Quarterly Pretax return on assets: 0.51% ($11,510.4 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
  • 402Total employees (full-time equivalent)
  • $2,256,935Total assets
  • $62,808Cash and due from depository institutions
  • $47,691Interest-bearing balances
  • $665,416Securities
  • $2,210Federal funds sold & reverse repurchase agreements
  • $1,279,680Net loans & leases
  • $22,831Loan loss allowance
  • $0Trading account assets
  • $26,935Bank premises and fixed assets
  • $6,728Other real estate owned
  • $162,239Goodwill and other intangibles
  • $2,256,935Life insurance assets
  • $50,919All other assets
  • $1,889,112Total liabilities and capital
  • $1,470,242Total liabilities
  • $1,052,207Total deposits
  • $1,470,242Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 160675.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $242,844Trading liabilities
  • $0Other borrowed funds
  • $15,351Subordinated debt
  • $367,823All other liabilities
  • $367,823Total equity capital
  • $367,823Total bank equity capital
  • $0Perpetual preferred stock
  • $2,691Common stock
  • $473,446Surplus
  • $-108,314Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $48,682Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23,604Income earned, not collected on loans
  • $1,922Earning assets
  • $7,359Long-term assets (5+ years)
  • $1,994,997Average Assets, year-to-date
  • $762,020Average Assets, quarterly
  • $2,193,335Volatile liabilities
  • $2,258,653Insider loans
  • $1,365,757FHLB advances
  • $2,114,222Loans and leases held for sale
  • $18,458Unused loan commitments
  • $280Tier 1 (core) risk-based capital
  • $210,172Tier 2 risk-based capital
  • $18,178Total risk weighted assets
  • $0Total unused commitments
  • $185,506Restructured Loans and leases
  • $2,794Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $87,415Total interest income
  • $23,839Total interest expense
  • $63,576Net interest income
  • $5,397Provision for loan and lease losses
  • $8,221Total noninterest income
  • $0Fiduciary activities
  • $4,298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,923Additional noninterest income
  • $60,306Total noninterest expense
  • $32,109Salaries and employee benefits
  • $7,899Premises and equipment expense
  • $20,298Additional noninterest expense
  • $6,094Pre-tax net operating income
  • $1,611Securities gains (losses)
  • $3,515Applicable income taxes
  • $4,190Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,190Net income attributable to bank
  • $0Net charge-offs
  • $4,190Cash dividends
  • $9,541Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.14%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 1.15%Return on equity (ROE)
  • 1.15%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 56.57%Credit loss provision to net charge-offs
  • 1.20%Efficiency ratio
  • 76,105Assets per employee
  • 5.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 96.73%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 87.04%Net loans and leases to core deposits
  • 103.89%Equity capital to assets
  • 16.30%Core capital (leverage) ratio
  • 9.94%Tier 1 risk-based capital ratio
  • 15.39%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $2,193,335Average earning assets
  • $365,537Average equity
  • $1,927,902Average loans

List of branches

  • 18 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014848Totalbank2720 Coral Way, Miami, FL 33145March 05, 1974Full Service Brick and Mortar
    125291619th Street Drive-In1920 S.W. 27th Avenue, Miami, FL 33145January 05, 1976Limited Service Facility
    517074Downtown Branch21 West Flagler Street, Miami, FL 33130April 21, 1983Full Service Brick and Mortar
    7257516Bird Road Branch8311 S.W. 40th Street, Miami, FL 33155April 23, 1990Full Service Brick and Mortar
    8252920Brickell Branch800 Brickell Avenue, Suite 106, Miami, FL 33131September 24, 1996Full Service Brick and Mortar
    917548Aventura Branch17701 Biscayne Boulevard, Miami, FL 33160September 10, 1984Full Service Brick and Mortar
    10258091North Miami Branch1865 Ne 123rd Street, North Miami, FL 33181November 22, 1985Full Service Brick and Mortar
    12252921Hialeah-Medley Branch7208 N.W. 72nd Avenue, Miami, FL 33166November 19, 1996Full Service Brick and Mortar
    1311902Perrine Branch17945 Franjo Road, Perrine, FL 33157Febuary 18, 1959Full Service Brick and Mortar
    15243370East Ridge Retirement Facility19301 S.W. 87th Avenue, Perrine, FL 33157March 21, 1985Limited Service Facility
    16243371Quail Roost Branch11424 Quail Roost Drive, Perrine, FL 33157March 10, 1988Full Service Brick and Mortar
    19252922Airport Branch1100 Northwest 72nd Avenue, Miami, FL 33126Febuary 01, 1999Full Service Brick and Mortar
    20443348Hialeah Branch Office5410 West 16th Avenue, Hialeah, FL 33012August 08, 2005Full Service Brick and Mortar
    22474206Doral Branch Office8790 N.W. 25th Street, Doral, FL 33172April 14, 2008Full Service Brick and Mortar
    23489411West Kendall BranchS.W. 120th Street, Miami, FL 33186Febuary 09, 2009Full Service Brick and Mortar
    24522182Miami Beach Branch1125 5th Street, Miami, FL 33139August 01, 2011Full Service Brick and Mortar
    25522271Red Sunset Center6939 Red Road, Coral Gables, FL 33143August 29, 2011Full Service Brick and Mortar
    26526385Coral Gables Branch2020 Ponce De Leon Boulevard, Unit 101, Coral Gables, FL 33134October 24, 2011Full Service Brick and Mortar

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