FDIC Certificate #: 57083 Status: Active Federal Reserve ID: 3049729 Date Established: September 14, 2001 WWW:http://www.plusintbank.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 #: 356991 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: September 14, 2001 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: 1000 Brickell Avenue, Suite 1100, Miami, FL 33131 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: $87.8 mil Equity capital: $12.8 mil Deposits held in domestic offices: $74.6 mil Return on assets (ROA): 0.34% ($0.3 mil) Quarterly return on assets: 0.20% ($0.2 mil) Return on Equity (ROE): 2.75% ($0.4 mil) Quarterly return on equity: 1.41% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.54% ($474.2 mil) Quarterly Pretax return on assets: 0.37% ($324.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$87,806Total assets
$4,435Cash and due from depository institutions
$2,290Interest-bearing balances
$29,697Securities
$6,733Federal funds sold & reverse repurchase agreements
$44,014Net loans & leases
$348Loan loss allowance
$0Trading account assets
$102Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$87,806Life insurance assets
$2,825All other assets
$75,029Total liabilities and capital
$74,607Total liabilities
$66,240Total deposits
$74,607Interest-bearing deposits
$59Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$422Subordinated debt
$12,777All other liabilities
$12,777Total equity capital
$12,777Total bank equity capital
$0Perpetual preferred stock
$5,075Common stock
$5,071Surplus
$2,631Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$232Income earned, not collected on loans
$0Earning assets
$222Long-term assets (5+ years)
$82,734Average Assets, year-to-date
$26,294Average Assets, quarterly
$97,680Volatile liabilities
$90,433Insider loans
$37,162FHLB advances
$88,586Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,427Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$4,450Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,183Total interest income
$848Total interest expense
$4,335Net interest income
$607Provision for loan and lease losses
$90Total noninterest income
$0Fiduciary activities
$14Service charges on deposit accounts
$0Trading account gains & fees
$76Additional noninterest income
$3,409Total noninterest expense
$1,410Salaries and employee benefits
$369Premises and equipment expense
$1,630Additional noninterest expense
$409Pre-tax net operating income
$121Securities gains (losses)
$194Applicable income taxes
$336Income before extraordinary items
$0Extraordinary gains - net
$336Net income attributable to bank
$0Net charge-offs
$336Cash dividends
$638Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.62%Yield on earning assets
0.92%Cost of funding earning assets
4.70%Net interest margin
0.10%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
0.26%Net operating income to assets
0.34%Return on assets (ROA)
0.54%Pretax return on assets
2.75%Return on equity (ROE)
2.75%Retained earnings to average equity (YTD only)
1.28%Net charge-offs to loans
95.14%Credit loss provision to net charge-offs
1.59%Efficiency ratio
77,040Assets per employee
5.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
150.00%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.52%Net loans and leases to deposits
58.99%Net loans and leases to core deposits
112.74%Equity capital to assets
14.55%Core capital (leverage) ratio
14.03%Tier 1 risk-based capital ratio
33.44%Total risk-based capital ratio
Memoranda
$34Average assets
$97,680Average earning assets
$12,210Average equity
$92,287Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
356991
Plus International Bank
1000 Brickell Avenue, Suite 1100, Miami, FL 33131
September 14, 2001
Full Service Brick and Mortar
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