Bank of the South

Bank of the South is headquartered in Pensacola and is the 217^st largest bank in the state of Florida. It is also the 5,874^th largest bank in the nation. It was established in 1964 and as of December of 2011, it had grown to 20 employees at 2 locations. Bank of the South has a 5-star health rating.

Bank of the South Routing Number: 063201875

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Data for Q4 2011

Institution Statistics Bank of the South FDIC Certificate # 19125 BankRate Report View Year Established 1964 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $67.15 million Loans $11.46 million Deposits $52.58 million Equity Capital $14.55 million Loan Loss Allowance $136,000 Historic Data - December 2010 Assets $64.18 million Equity Capital $14.44 million Loan Loss Allowance $114,000 Profit Margin - Quarterly Net Interest Margin 2.76% Return on Assets 0.15% Return on Equity 0.68% Interest Income $1.66 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 the South had $0 in non-current loans and owned real-estate with $14.69 million in equity and loan loss allowances on hand to cover it. This gives Bank of the South a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Bank of the South has increased its total deposits by $2.9 million, resulting in 5.84% 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 the South 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 the South has $67.15 million in assets with $14.69 million in equity, resulting in a capitalization level of 21.87%, which is excellent.

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