FDIC Certificate #: 57214 Status: Active Federal Reserve ID: 3122828 Bank Holding Company (Regulatory Top Holder): Intercontinental Bankshares, Llc (RSSDID: 3887323, Location: West Miami, FL) Date Established: June 21, 2002 WWW:http://www.intercontinentalbk.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 359569 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 21, 2002 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: 5722 Southwest 8th Street, West Miami, FL 33144 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: $163.1 mil Equity capital: $17.1 mil Deposits held in domestic offices: $138.4 mil Return on assets (ROA): 0.55% ($0.9 mil) Quarterly return on assets: 0.52% ($0.8 mil) Return on Equity (ROE): 4.92% ($0.8 mil) Quarterly return on equity: 5.03% ($0.9 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.84% ($1,370.1 mil) Quarterly Pretax return on assets: 0.82% ($1,337.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$163,108Total assets
$29,161Cash and due from depository institutions
$11,600Interest-bearing balances
$103,970Securities
$0Federal funds sold & reverse repurchase agreements
$27,643Net loans & leases
$270Loan loss allowance
$0Trading account assets
$541Bank premises and fixed assets
$607Other real estate owned
$0Goodwill and other intangibles
$163,108Life insurance assets
$1,186All other assets
$145,994Total liabilities and capital
$138,425Total liabilities
$109,343Total deposits
$138,425Interest-bearing deposits
$65Deposits held in domestic offices
7363.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$206Subordinated debt
$17,114All other liabilities
$17,114Total equity capital
$17,114Total bank equity capital
$0Perpetual preferred stock
$4,150Common stock
$4,200Surplus
$8,764Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$46Income earned, not collected on loans
$0Earning assets
$598Long-term assets (5+ years)
$143,213Average Assets, year-to-date
$81,345Average Assets, quarterly
$150,140Volatile liabilities
$164,554Insider loans
$46,993FHLB advances
$165,138Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,114Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,636Restructured Loans and leases
$2,926Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,241Total interest income
$1,183Total interest expense
$3,058Net interest income
$70Provision for loan and lease losses
$1,278Total noninterest income
$0Fiduciary activities
$1,124Service charges on deposit accounts
$0Trading account gains & fees
$154Additional noninterest income
$3,039Total noninterest expense
$1,690Salaries and employee benefits
$306Premises and equipment expense
$1,043Additional noninterest expense
$1,227Pre-tax net operating income
$33Securities gains (losses)
$439Applicable income taxes
$821Income before extraordinary items
$0Extraordinary gains - net
$821Net income attributable to bank
$0Net charge-offs
$821Cash dividends
$17Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.97%Yield on earning assets
0.83%Cost of funding earning assets
2.14%Net interest margin
0.90%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
0.53%Net operating income to assets
0.55%Return on assets (ROA)
0.84%Pretax return on assets
4.92%Return on equity (ROE)
4.92%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
411.76%Credit loss provision to net charge-offs
76.29%Efficiency ratio
70,088Assets per employee
7.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
586.96%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.16%Net loans and leases to deposits
19.97%Net loans and leases to core deposits
26.04%Equity capital to assets
10.49%Core capital (leverage) ratio
10.36%Tier 1 risk-based capital ratio
36.42%Total risk-based capital ratio
Memoranda
$37Average assets
$150,140Average earning assets
$16,701Average equity
$142,699Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
359569
Intercontinental Bank
5722 Southwest 8th Street, West Miami, FL 33144
June 21, 2002
Full Service Brick and Mortar
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