TotalBank

2720 Coral Way
Miami, FL 33145
(305) 448-6500
www.totalbank.com

FDIC

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TotalBank is headquartered in Miami and is the 12^st largest bank in the state of Florida. It is also the 307^th largest bank in the nation. It was established in 1974 and as of December of 2012, it had grown to 418 employees at 19 locations. TotalBank has a 5-star health rating.

TotalBank Routing Number: 066009155

A Few Competitive CD Rates at TotalBank in South Florida - Local Only - 11/15/2011

TotalBank continues to offer some good CD deals. Rates have fallen since my April review, but that's no different than any other bank. The best deals continue to be the long-term bump-up CDs and the s ...

Competitive CD Rates Continue at TotalBank in South Florida - Local Only - 4/4/2011

TotalBank continues to offer some good deals on its certificates of deposit. Rates have fallen since my November review, but that's no different than any other bank. The best deals continue to be the ...

TotalBank Continues To Offer Some Of The Best CD Rates In Miami (Forum) - 1/17/2011

TotalBank still offers several competitive long-term and short-term CD rates. The rates are the same as when I last posted on TotalBank in November. Notable rates as of 1/17/2011: 2.80% APY 5-year Bump-Up CD 2.25% APY 35-month Bump-Up CD 1.30% APY 7-

Competitive CD Rates at TotalBank in South Florida - 11/3/2010

TotalBank has some good deals on its certificates of deposit. For long-term CDs, the best rates are the bump-up CDs. These include a 2.80% APY 5-year CD and a 2.25% APY 35-month CD. These are also ava ...

2009

6/4 - 2.55% Online CDs for Terms of 3 to 12 Months Plus 2.05% e-Savings at TotalBank in South Florida - Nationally Available

2008

11/26 - 4.30% 7-, 11- and 13-Month CD at TotalBank in Miami

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See Rates for: Checking | Savings | CD

TotalBank Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Total e-Interest Checking

TotalBank Savings Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	Total e-Savings

TotalBank CD Rates

Apy	Min	Max	Product
0.50%	$1k	-	12 Month Total e-CD
0.40%	$1k	-	9 Month Total e-CD
0.25%	$1k	-	6 Month Total e-CD
0.20%	$1k	-	3 Month Total e-CD

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

TotalBank
FDIC Certificate #	21468
BankRate Report	View
Year Established	1974
Employees	418
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.41 billion
Loans	$1.38 billion
Deposits	$1.57 billion
Equity Capital	$427.36 million
Loan Loss Allowance	$22.40 million
Unbacked Noncurrent Loans	$25.33 million
Real Estate Owned	$6.68 million
Historic Data - December 2011
Assets	$2.26 billion
Equity Capital	$367.82 million
Loan Loss Allowance	$22.83 million
Unbacked Noncurrent Loans	$21.68 million
Real Estate Owned	$6.73 million
Profit Margin - Quarterly
Net Interest Margin	3.31%
Return on Assets	2.25%
Return on Equity	13.58%
Interest Income	$90.07 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 TotalBank had $32.01 million in non-current loans and owned real-estate with $449.76 million in equity and loan loss allowances on hand to cover it. This gives TotalBank a Texas Ratio of 7.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for TotalBank held steady from 6.84% as of December 31, 2011 to 7.12% as of December 31, 2012, resulting in a negative change of 4.00%. This indicates that the balance sheet and financial strength for TotalBank has held steady in recent periods.
Deposit Growth
In the past year, TotalBank has increased its total deposits by $103.47 million, resulting in 7.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth TotalBank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. TotalBank has $2.41 billion in assets with $449.76 million in equity, resulting in a capitalization level of 18.70%, which is excellent.