1st National Bank of South Florida

1st National Bank of South Florida is headquartered in Homestead and is the 75^th largest bank in the state of Florida. It is also the 2,139^th largest bank in the nation. It was established in 1932 and as of December of 2011, it had grown to 91 employees at 7 locations. 1st National Bank of South Florida has a 2-star health rating.

1st National Bank of South Florida Routing Number: 067005145

1st National Bank of South Florida Money Market Rates

1st National Bank of South Florida CD Rates

Data for Q4 2011

Institution Statistics 1st National Bank of South Florida FDIC Certificate # 3564 BankRate Report View Year Established 1932 Employees 91 Primary Regulator OCC Assets and Liabilities Assets $302.30 million Loans $181.15 million Deposits $242.83 million Equity Capital $27.67 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $11.44 million Real Estate Owned $3.43 million Historic Data - December 2010 Assets $307.30 million Equity Capital $24.58 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $8.46 million Real Estate Owned $272,000 Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.06% Return on Equity 0.67% Interest Income $11.61 million

Institution Health Overall Score: 2 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, 2011 1st National Bank of South Florida had $14.87 million in non-current loans and owned real-estate with $29.75 million in equity and loan loss allowances on hand to cover it. This gives 1st National Bank of South Florida a Texas Ratio of 49.98% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st National Bank of South Florida increased slightly from 32.76% as of December 31, 2010 to 49.98% as of December 31, 2011, resulting in a negative change of 52.55%. This indicates that the balance sheet and financial strength for 1st National Bank of South Florida has declined slightly in recent periods. Deposit Growth In the past year, 1st National Bank of South Florida has decreased its total deposits by -$7.12 million, resulting in -2.85% 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 1st National Bank of South Florida has shown is below average. 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. 1st National Bank of South Florida has $302.3 million in assets with $29.75 million in equity, resulting in a capitalization level of 9.84%, which is average.

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