Englewood Bank

Englewood Bank is headquartered in Englewood and is the 130^th largest bank in the state of Florida. It is also the 3,214^st largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 44 employees at 4 locations. Englewood Bank has a 4-star health rating.

Englewood Bank Routing Number: 067013247

Data for Q1 2012

Institution Statistics Englewood Bank & Trust FDIC Certificate # 27205 BankRate Report View Year Established 1988 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $193.09 million Loans $119.33 million Deposits $175.76 million Equity Capital $16.44 million Loan Loss Allowance $7.11 million Unbacked Noncurrent Loans $4.76 million Real Estate Owned $1.32 million Historic Data - March 2011 Assets $183.91 million Equity Capital $15.80 million Loan Loss Allowance $5.70 million Unbacked Noncurrent Loans $6.54 million Real Estate Owned $2.50 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.52% Return on Equity 5.84% Interest Income $1.85 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 March 31, 2012 Englewood Bank had $6.08 million in non-current loans and owned real-estate with $23.55 million in equity and loan loss allowances on hand to cover it. This gives Englewood Bank a Texas Ratio of 25.83% 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 Englewood Bank decreased slightly from 42.04% as of March 31, 2011 to 25.83% as of March 31, 2012, resulting in a positive change of 38.55%.This indicates that the balance sheet and financial strength for Englewood Bank has improved slightly in recent periods. Deposit Growth In the past year, Englewood Bank has increased its total deposits by $8.5 million, resulting in 5.08% 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 Englewood 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. Englewood Bank has $193.08 million in assets with $23.55 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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