FineMark National Bank & Trust

FineMark National Bank & Trust is headquartered in Fort Myers and is the 51^st largest bank in the state of Florida. It is also the 1,449^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 65 employees at 4 locations. FineMark National Bank & Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics FineMark National Bank & Trust FDIC Certificate # 58486 BankRate Report View Year Established 2007 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $460.54 million Loans $226.86 million Deposits $357.04 million Equity Capital $40.19 million Loan Loss Allowance $3.31 million Unbacked Noncurrent Loans $1.83 million Historic Data - March 2011 Assets $409.75 million Equity Capital $31.33 million Loan Loss Allowance $3.17 million Unbacked Noncurrent Loans $3.34 million Profit Margin - Quarterly Net Interest Margin 2.61% Return on Assets 0.41% Return on Equity 4.68% Interest Income $3.62 million

Institution Health Overall Score: 5 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 FineMark National Bank & Trust had $1.83 million in non-current loans and owned real-estate with $43.5 million in equity and loan loss allowances on hand to cover it. This gives FineMark National Bank & Trust a Texas Ratio of 4.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FineMark National Bank & Trust decreased significantly from 9.69% as of March 31, 2011 to 4.20% as of March 31, 2012, resulting in a positive change of 56.65%.This indicates that the balance sheet and financial strength for FineMark National Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, FineMark National Bank & Trust has increased its total deposits by $28.44 million, resulting in 8.65% 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 FineMark National Bank & Trust 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. FineMark National Bank & Trust has $460.54 million in assets with $43.5 million in equity, resulting in a capitalization level of 9.45%, which is average.

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