Beach Community Bank

Beach Community Bank is headquartered in Fort Walton Beac and is the 39^th largest bank in the state of Florida. It is also the 1,085^th largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 116 employees at 11 locations. Beach Community Bank has a 1-star health rating.

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Data for Q4 2011

Institution Statistics Beach Community Bank FDIC Certificate # 57131 BankRate Report View Year Established 2001 Employees 116 Primary Regulator FDIC Assets and Liabilities Assets $610.62 million Loans $452.16 million Deposits $531.49 million Equity Capital $38.92 million Loan Loss Allowance $8.05 million Unbacked Noncurrent Loans $132.73 million Real Estate Owned $43.14 million Historic Data - December 2010 Assets $631.43 million Equity Capital $43.51 million Loan Loss Allowance $8.43 million Unbacked Noncurrent Loans $91.37 million Real Estate Owned $38.92 million Profit Margin - Quarterly Net Interest Margin 2.24% Return on Assets -0.82% Return on Equity -12.49% Interest Income $21.89 million

Institution Health Overall Score: 1 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 Beach Community Bank had $175.87 million in non-current loans and owned real-estate with $46.97 million in equity and loan loss allowances on hand to cover it. This gives Beach Community Bank a Texas Ratio of 374.40% 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 Beach Community Bank increased slightly from 250.86% as of December 31, 2010 to 374.40% as of December 31, 2011, resulting in a negative change of 49.25%. This indicates that the balance sheet and financial strength for Beach Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Beach Community Bank has decreased its total deposits by -$16.36 million, resulting in -2.99% 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 Beach Community Bank 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. Beach Community Bank has $610.62 million in assets with $46.97 million in equity, resulting in a capitalization level of 7.69%, which is below average.

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