Biscayne Bank

Biscayne Bank is headquartered in Miami and is the 115^st largest bank in the state of Florida. It is also the 2,895^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 32 employees at 2 locations. Biscayne Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Biscayne Bank FDIC Certificate # 57973 BankRate Report View Year Established 2005 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $217.84 million Loans $186.45 million Deposits $175.40 million Equity Capital $18.10 million Loan Loss Allowance $2.70 million Unbacked Noncurrent Loans $640,000 Real Estate Owned $1.55 million Historic Data - December 2010 Assets $219.80 million Equity Capital $15.64 million Loan Loss Allowance $3.24 million Unbacked Noncurrent Loans $6.10 million Real Estate Owned $4.14 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.41% Return on Equity 5.64% Interest Income $10.85 million

Institution Health Overall Score: 4 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 Biscayne Bank had $2.19 million in non-current loans and owned real-estate with $20.8 million in equity and loan loss allowances on hand to cover it. This gives Biscayne Bank a Texas Ratio of 10.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Biscayne Bank decreased significantly from 54.22% as of December 31, 2010 to 10.52% as of December 31, 2011, resulting in a positive change of 80.60%.This indicates that the balance sheet and financial strength for Biscayne Bank has improved significantly in recent periods. Deposit Growth In the past year, Biscayne Bank has increased its total deposits by $5.7 million, resulting in 3.36% 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 Biscayne Bank has shown is above 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. Biscayne Bank has $217.84 million in assets with $20.8 million in equity, resulting in a capitalization level of 9.55%, which is average.

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