Calusa National Bank

Calusa National Bank is headquartered in Punta Gorda and is the 154^th largest bank in the state of Florida. It is also the 3,864^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 33 employees at 4 locations. Calusa National Bank has a 4-star health rating.

Calusa National Bank Routing Number: 067016244

Data for Q4 2011

Institution Statistics Calusa National Bank FDIC Certificate # 58512 BankRate Report View Year Established 2007 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $149.39 million Loans $97.86 million Deposits $130.91 million Equity Capital $13.30 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.06 million Real Estate Owned $1.06 million Historic Data - December 2010 Assets $146.31 million Equity Capital $11.65 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $2.72 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.3% Return on Equity 3.51% Interest Income $6.78 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 Calusa National Bank had $2.11 million in non-current loans and owned real-estate with $15.3 million in equity and loan loss allowances on hand to cover it. This gives Calusa National Bank a Texas Ratio of 13.80% 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 Calusa National Bank decreased slightly from 20.49% as of December 31, 2010 to 13.80% as of December 31, 2011, resulting in a positive change of 32.65%.This indicates that the balance sheet and financial strength for Calusa National Bank has improved slightly in recent periods. Deposit Growth In the past year, Calusa National Bank has increased its total deposits by $1.51 million, resulting in 1.17% 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 Calusa National 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. Calusa National Bank has $149.39 million in assets with $15.3 million in equity, resulting in a capitalization level of 10.24%, which is above average.

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