BRANNEN BANK

BRANNEN BANK is headquartered in Inverness and is the 62^nd largest bank in the state of Florida. It is also the 1,632^nd largest bank in the nation. It was established in 1926 and as of December of 2012, it had grown to 118 employees at 12 locations. BRANNEN BANK has a 3-star health rating.

Data for Q4 2012

Institution Statistics BRANNEN BANK FDIC Certificate # 5676 BankRate Report View Year Established 1926 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $408.03 million Loans $198.51 million Deposits $367.26 million Equity Capital $40.19 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $6.79 million Real Estate Owned $4.18 million Historic Data - December 2011 Assets $404.38 million Equity Capital $39.47 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $5.01 million Real Estate Owned $2.89 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.18% Return on Equity 12.39% Interest Income $14.17 million

Institution Health Overall Score: 3 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, 2012 BRANNEN BANK had $10.97 million in non-current loans and owned real-estate with $43.16 million in equity and loan loss allowances on hand to cover it. This gives BRANNEN BANK a Texas Ratio of 25.41% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BRANNEN BANK increased slightly from 18.24% as of December 31, 2011 to 25.41% as of December 31, 2012, resulting in a negative change of 39.37%. This indicates that the balance sheet and financial strength for BRANNEN BANK has declined slightly in recent periods. Deposit Growth In the past year, BRANNEN BANK has increased its total deposits by $6.43 million, resulting in 1.78% 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 BRANNEN 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. BRANNEN BANK has $408.03 million in assets with $43.16 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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