Edison National Bank

Edison National Bank is headquartered in Fort Myers and is the 105^th largest bank in the state of Florida. It is also the 2,782^nd largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 39 employees at 4 locations. Edison National Bank has a 4-star health rating.

Edison National Bank Routing Number: 067014301

Data for Q1 2012

Institution Statistics Edison National Bank FDIC Certificate # 34489 BankRate Report View Year Established 1997 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $229.01 million Loans $105.07 million Deposits $197.00 million Equity Capital $18.26 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $1.49 million Real Estate Owned $779,000 Historic Data - March 2011 Assets $209.81 million Equity Capital $16.20 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $2.90 million Real Estate Owned $34,000 Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.66% Return on Equity 8.13% Interest Income $1.61 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 March 31, 2012 Edison National Bank had $2.27 million in non-current loans and owned real-estate with $20.68 million in equity and loan loss allowances on hand to cover it. This gives Edison National Bank a Texas Ratio of 10.99% 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 Edison National Bank decreased slightly from 15.93% as of March 31, 2011 to 10.99% as of March 31, 2012, resulting in a positive change of 31.03%.This indicates that the balance sheet and financial strength for Edison National Bank has improved slightly in recent periods. Deposit Growth In the past year, Edison National Bank has increased its total deposits by $15.32 million, resulting in 8.43% 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 Edison National Bank has shown is excellent. 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. Edison National Bank has $229 million in assets with $20.68 million in equity, resulting in a capitalization level of 9.03%, which is average.

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