EuroBank

1901 Ponce De Leon Boulevard
Coral Gables, FL 33134
1-800-560-EURO (3876)
www.eurobankfl.com

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EuroBank is headquartered in Coral Gables and is the 179^th largest bank in the state of Florida. It is also the 4,709^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 39 employees at 3 locations. EuroBank has a 3-star health rating.

EuroBank Routing Number: 067012688

2.20% 25-Month CD & 1.90% 13-Month CD At Eurobank In South Florida (Forum) - 7/10/2010

EuroBank has some competitive short and mid-term CD and IRA CD rates as of 7/10/10: 1.90% APY 13-month CD 2.20% APY 25-month CD 1.60% APY 7-month IRA CD special 2.10% APY 18-month IRA CD special 2.50% APY 36-month IRA CD special Minimum deposit i

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See Rates for: Checking | Savings | Money Market | CD | IRA

EuroBank Checking Account Rates

Apy	Min	Max	Product
0.05%	$1k	-	Now Account
0.05%	$500	-	Xtreme Account
0.05%	$1k	-	IOTA - Super Now Account

EuroBank Savings Account Rates

	Apy	Min	Max	Product
	0.05%	$100	-	Savings Account

EuroBank Money Market Rates

	Apy	Min	Max	Product
	0.05%	$1k	-	Prestige Money Market Account

EuroBank CD Rates

Apy	Min	Max	Product
0.72%	$100k	-	49-60 Month CD
0.60%	$1k	-	25-48 Month CD
0.48%	$1k	-	13-24 Month CD
0.37%	$1k	-	7-12 Month CD
0.22%	$1k	-	4-6 Month CD
0.12%	$1k	-	1-3 Month CD
0.10%	$1k	-	Liquid CD

EuroBank IRA Rates

Apy	Min	Max	Product
0.72%	$100k	-	49-60 Month IRA
0.60%	$1k	-	25-48 Month IRA
0.48%	$1k	-	13-24 Month IRA
0.37%	$1k	-	7-12 Month IRA
0.22%	$1k	-	4-6 Month IRA
0.12%	$1k	-	1-3 Month IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

EuroBank
FDIC Certificate #	26725
BankRate Report	View
Year Established	1986
Employees	39
Primary Regulator	FDIC
Assets and Liabilities
Assets	$110.20 million
Loans	$48.57 million
Deposits	$72.47 million
Equity Capital	$34.10 million
Loan Loss Allowance	$2,000
Unbacked Noncurrent Loans	$12.75 million
Real Estate Owned	$8.95 million
Historic Data - March 2011
Assets	$94.56 million
Equity Capital	$3.93 million
Loan Loss Allowance	$1.84 million
Unbacked Noncurrent Loans	$6.01 million
Real Estate Owned	$9.95 million
Profit Margin - Quarterly
Net Interest Margin	2.52%
Return on Assets	-6.01%
Return on Equity	-30.65%
Interest Income	$546,000

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 March 31, 2012 EuroBank had $21.7 million in non-current loans and owned real-estate with $34.1 million in equity and loan loss allowances on hand to cover it. This gives EuroBank a Texas Ratio of 63.63% 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 EuroBank decreased significantly from 276.86% as of March 31, 2011 to 63.63% as of March 31, 2012, resulting in a positive change of 77.02%.This indicates that the balance sheet and financial strength for EuroBank has improved significantly in recent periods.
Deposit Growth
In the past year, EuroBank has decreased its total deposits by -$12.85 million, resulting in -15.06% 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 EuroBank 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. EuroBank has $110.2 million in assets with $34.1 million in equity, resulting in a capitalization level of 30.95%, which is excellent.