First Navy Bank

First Navy Bank is headquartered in Pensacola and is the 213^st largest bank in the state of Florida. It is also the 5,984^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 21 employees at 2 locations. First Navy Bank has a 5-star health rating.

First Navy Bank Routing Number: 063208823

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Data for Q1 2012

Institution Statistics First Navy Bank FDIC Certificate # 21284 BankRate Report View Year Established 1973 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $63.20 million Loans $3.07 million Deposits $50.68 million Equity Capital $12.42 million Loan Loss Allowance $125,000 Historic Data - March 2011 Assets $63.09 million Equity Capital $12.69 million Loan Loss Allowance $127,000 Profit Margin - Quarterly Net Interest Margin 1.77% Return on Assets -1.02% Return on Equity -5.18% Interest Income $273,000

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 First Navy Bank had $0 in non-current loans and owned real-estate with $12.55 million in equity and loan loss allowances on hand to cover it. This gives First Navy Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First Navy Bank has increased its total deposits by $389,000, resulting in 0.77% 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 First Navy Bank has shown is average. 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. First Navy Bank has $63.2 million in assets with $12.55 million in equity, resulting in a capitalization level of 19.86%, which is excellent.

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