Flagship Community Bank

Flagship Community Bank is headquartered in Clearwater and is the 183^rd largest bank in the state of Florida. It is also the 4,799^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 22 employees at 3 locations. Flagship Community Bank's money market rates are 48% higher than the national average, and it has a 3-star health rating.

Flagship Community Bank Routing Number: 063115893

Flagship Community Bank Checking Account Rates

Flagship Community Bank Savings Account Rates

Flagship Community Bank Money Market Rates

Flagship Community Bank CD Rates

Data for Q1 2012

Institution Statistics Flagship Community Bank FDIC Certificate # 58113 BankRate Report View Year Established 2006 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $106.01 million Loans $76.73 million Deposits $88.58 million Equity Capital $12.02 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $5.02 million Real Estate Owned $2.23 million Historic Data - March 2011 Assets $93.64 million Equity Capital $12.20 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $4.19 million Real Estate Owned $396,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.48% Return on Equity 4.18% Interest Income $1.17 million

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 Flagship Community Bank had $7.25 million in non-current loans and owned real-estate with $14.32 million in equity and loan loss allowances on hand to cover it. This gives Flagship Community Bank a Texas Ratio of 50.65% 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 Flagship Community Bank increased slightly from 32.59% as of March 31, 2011 to 50.65% as of March 31, 2012, resulting in a negative change of 55.39%. This indicates that the balance sheet and financial strength for Flagship Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Flagship Community Bank has increased its total deposits by $8.47 million, resulting in 10.57% 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 Flagship Community 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. Flagship Community Bank has $106.01 million in assets with $14.32 million in equity, resulting in a capitalization level of 13.51%, which is excellent.

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