Bank of Coral Gables

Bank of Coral Gables is headquartered in Coral Gables and is the 174^th largest bank in the state of Florida. It is also the 4,559^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 25 employees at 1 location. Bank of Coral Gables has a 2-star health rating.

Bank of Coral Gables Routing Number: 067015928

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Data for Q4 2011

Institution Statistics Bank of Coral Gables FDIC Certificate # 58131 BankRate Report View Year Established 2006 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $115.39 million Loans $74.70 million Deposits $107.64 million Equity Capital $7.17 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $5.80 million Real Estate Owned $3.65 million Historic Data - December 2010 Assets $151.84 million Equity Capital $9.65 million Loan Loss Allowance $3.42 million Unbacked Noncurrent Loans $12.14 million Real Estate Owned $4.59 million Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets -2.5% Return on Equity -39.83% Interest Income $5.52 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 Bank of Coral Gables had $9.45 million in non-current loans and owned real-estate with $10.82 million in equity and loan loss allowances on hand to cover it. This gives Bank of Coral Gables a Texas Ratio of 87.34% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Coral Gables decreased slightly from 127.98% as of December 31, 2010 to 87.34% as of December 31, 2011, resulting in a positive change of 31.76%.This indicates that the balance sheet and financial strength for Bank of Coral Gables has improved slightly in recent periods. Deposit Growth In the past year, Bank of Coral Gables has decreased its total deposits by -$34.18 million, resulting in -24.1% 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 Coral Gables has shown is poor. 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 Coral Gables has $115.39 million in assets with $10.82 million in equity, resulting in a capitalization level of 9.38%, which is average.

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