Eastern National Bank

Eastern National Bank is headquartered in Miami and is the 64^th largest bank in the state of Florida. It is also the 1,734^th largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 96 employees at 5 locations. Eastern National Bank has a 2-star health rating.

Eastern National Bank Routing Number: 067002533

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Data for Q1 2012

Institution Statistics Eastern National Bank FDIC Certificate # 20026 BankRate Report View Year Established 1969 Employees 96 Primary Regulator OCC Assets and Liabilities Assets $384.76 million Loans $308.88 million Deposits $330.27 million Equity Capital $32.87 million Loan Loss Allowance $7.47 million Unbacked Noncurrent Loans $14.30 million Real Estate Owned $9.78 million Historic Data - March 2011 Assets $427.62 million Equity Capital $35.82 million Loan Loss Allowance $7.84 million Unbacked Noncurrent Loans $13.38 million Real Estate Owned $11.76 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.06% Return on Equity 0.74% Interest Income $3.52 million

Institution Health Overall Score: 2 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 March 31, 2012 Eastern National Bank had $24.08 million in non-current loans and owned real-estate with $40.33 million in equity and loan loss allowances on hand to cover it. This gives Eastern National Bank a Texas Ratio of 59.70% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Eastern National Bank held steady from 57.57% as of March 31, 2011 to 59.70% as of March 31, 2012, resulting in a negative change of 3.69%. This indicates that the balance sheet and financial strength for Eastern National Bank has held steady in recent periods. Deposit Growth In the past year, Eastern National Bank has decreased its total deposits by -$41.41 million, resulting in -11.14% 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 Eastern National Bank has shown is poor. 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. Eastern National Bank has $384.76 million in assets with $40.33 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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