Kislak National Bank in Miami Lakes, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 04, 2005

  • Kislak National Bank in Miami Lakes, Florida (FL)
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Kislak National Bank - Overview

  • General
  • FDIC Certificate #: 18918
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banco Popular North America (#34967)
    Federal Reserve ID: 311331
    Date Established: October 21, 1963
    WWW: http://www.bankonus.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    OTS Docket #: 9134
    FDIC's unique #: 12765
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: October 21, 1963
    Last Structure Change Effective Date: January 04, 2005
    Last Structure Change Process Date: January 27, 2005
    Last Data Update: January 27, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 7900 Miami Lakes Drive West, Miami Lakes, FL 33016
    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)
  • Financial Summary
  • Total assets: $965.7 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, 2004)

  • Dollar figures in thousands
  • 143Total employees (full-time equivalent)
  • $965,717Total assets
  • $38,916Cash and due from depository institutions
  • $29,844Interest-bearing balances
  • $314,975Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $585,921Net loans & leases
  • $3,685Loan loss allowance
  • $0Trading account assets
  • $1,424Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $24,481All other assets
  • $965,717Total liabilities and capital
  • $892,343Total liabilities
  • $659,634Total deposits
  • $584,106Interest-bearing deposits
  • $659,634Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $43,010Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $180,710Other borrowed funds
  • $0Subordinated debt
  • $8,989All other liabilities
  • $73,374Total equity capital
  • $73,374Total bank equity capital
  • $73,374Perpetual preferred stock
  • $0Common stock
  • $564Surplus
  • $17,894Undivided profits
  • Memoranda
  • $54,916Noncurrent loans and leases
  • $149,040Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $460Earning assets
  • $0Long-term assets (5+ years)
  • $7,435Average Assets, year-to-date
  • $930,740Average Assets, quarterly
  • $299,835Volatile liabilities
  • $930,109Insider loans
  • $987,190FHLB advances
  • $293,380Loans and leases held for sale
  • $1,725Unused loan commitments
  • $180,648Tier 1 (core) risk-based capital
  • $194,494Tier 2 risk-based capital
  • $65,253Total risk weighted assets
  • $149,040Total unused commitments
  • $0Restructured Loans and leases
  • $3,685Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $47,436Total interest income
  • $18,669Total interest expense
  • $28,767Net interest income
  • $50Provision for loan and lease losses
  • $3,026Total noninterest income
  • $0Fiduciary activities
  • $1,102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,924Additional noninterest income
  • $21,704Total noninterest expense
  • $12,963Salaries and employee benefits
  • $2,344Premises and equipment expense
  • $6,397Additional noninterest expense
  • $10,039Pre-tax net operating income
  • $1,335Securities gains (losses)
  • $0Applicable income taxes
  • $11,374Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,374Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $8,120Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 2.09%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 15.39%Return on equity (ROE)
  • 4.40%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 21.93%Credit loss provision to net charge-offs
  • 44.25%Efficiency ratio
  • 68,267Assets per employee
  • 6.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.39%Loss allowance to loans
  • 0.62%Loss allowance to noncurrent loans
  • 801.09%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 88.83%Net loans and leases to core deposits
  • 138.74%Equity capital to assets
  • 7.60%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 14.13%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $930,109Average earning assets
  • $73,897Average equity
  • $895,101Average loans

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