Bank of Belle Glade

Bank of Belle Glade is headquartered in Belle Glade and is the 202^nd largest bank in the state of Florida. It is also the 5,413^st largest bank in the nation. It was established in 1963 and as of December of 2011, it had grown to 18 employees at 2 locations. Bank of Belle Glade has a 5-star health rating.

Bank of Belle Glade Routing Number: 067001246

Data for Q4 2011

Institution Statistics Bank of Belle Glade FDIC Certificate # 18930 BankRate Report View Year Established 1963 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $82.66 million Loans $22.83 million Deposits $75.15 million Equity Capital $7.32 million Loan Loss Allowance $399,000 Unbacked Noncurrent Loans $304,000 Historic Data - December 2010 Assets $75.80 million Equity Capital $6.55 million Loan Loss Allowance $501,000 Unbacked Noncurrent Loans $617,000 Real Estate Owned $73,000 Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 0.32% Return on Equity 3.46% Interest Income $2.29 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, 2011 Bank of Belle Glade had $304,000 in non-current loans and owned real-estate with $7.72 million in equity and loan loss allowances on hand to cover it. This gives Bank of Belle Glade a Texas Ratio of 3.94% 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 Bank of Belle Glade decreased significantly from 9.79% as of December 31, 2010 to 3.94% as of December 31, 2011, resulting in a positive change of 59.78%.This indicates that the balance sheet and financial strength for Bank of Belle Glade has improved significantly in recent periods. Deposit Growth In the past year, Bank of Belle Glade has increased its total deposits by $5.95 million, resulting in 8.6% 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 Bank of Belle Glade 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. Bank of Belle Glade has $82.66 million in assets with $7.72 million in equity, resulting in a capitalization level of 9.34%, which is average.

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