Giantbank.com

2600 East Commercial Boulevard
Ft. Lauderdale, FL 33308
1-877-446-4200
www.giantbank.com

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giantbank.com, the Internet Banking Division of Landmark Bank, N.A., was founded in the Summer of 1999 to deliver the ultimate banking solution to you: Personal Banking on an Anytime, Anywhere basis. You now have your very own personal banker without ever leaving the comfort of your home or office. They utilize the "best & brightest" technology partners so that you benefit from the most capable technology and security. Their industry-leading partners include CheckFree, Fiserv, Inc, InfoSight and Zaida Communications. Naturally, giantbank is FDIC Insured. They know how to make your money perform while delivering security and convenience.

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

Giantbank.com Checking Account Rates

Apy	Min	Max	Product
0.20%	$1k	$10m	Giant Personal Checking
0.15%	$1,500	$10m	Giant Business Checking

Giantbank.com Money Market Rates

Apy	Min	Max	Product
0.65%	$100k	-	Giant Money Market
0.35%	$2k	-	Giant Business Money Market

Giantbank.com CD Rates

Apy	Min	Max	Product
1.31%	$2,500	-	60 Month Giant Personal CD
1.00%	$2,500	-	36 Month Giant Personal CD
1.00%	$2,500	-	60 Month Giant Business CD
0.80%	$2,500	-	24 Month Giant Personal CD
0.75%	$2,500	-	36 Month Giant Business CD
0.55%	$2,500	-	12 Month Giant Personal CD
0.55%	$2,500	-	24 Month Giant Business CD
0.45%	$2,500	-	9 Month Giant Personal CD
0.45%	$10k	$250k	12 Month Giant Business CD
0.35%	$2,500	-	182 Day Giant Personal CD
0.35%	$10k	$250k	9 Month Giant Business CD
0.25%	$2,500	-	91 Day Giant Personal CD
0.25%	$10k	$250k	182 Day Giant Business CD
0.20%	$10k	$250k	91 Day Giant Business CD

Giantbank.com IRA Rates

Apy	Min	Max	Product
1.31%	$1k	-	60 Month Giant IRA
1.31%	$500	-	60 Month CESA
1.00%	$1k	-	36 Month Giant IRA
1.00%	$500	-	36 Month CESA
0.80%	$1k	-	24 Month Giant IRA
0.80%	$500	-	24 Month CESA
0.55%	$1k	-	12 Month Giant IRA
0.55%	$500	-	12 Month CESA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

Landmark Bank, National Association
FDIC Certificate #	34832
BankRate Report	View
Year Established	1998
Employees	31
Primary Regulator	OCC
Assets and Liabilities
Assets	$256.00 million
Loans	$212.54 million
Deposits	$186.74 million
Equity Capital	$38.21 million
Loan Loss Allowance	$7.46 million
Unbacked Noncurrent Loans	$26.10 million
Real Estate Owned	$5.87 million
Historic Data - December 2011
Assets	$282.84 million
Equity Capital	$35.64 million
Loan Loss Allowance	$9.97 million
Unbacked Noncurrent Loans	$41.91 million
Real Estate Owned	$6.48 million
Profit Margin - Quarterly
Net Interest Margin	4%
Return on Assets	0.96%
Return on Equity	6.94%
Interest Income	$12.57 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 December 31, 2012 Giantbank.com had $31.97 million in non-current loans and owned real-estate with $45.67 million in equity and loan loss allowances on hand to cover it. This gives Giantbank.com a Texas Ratio of 69.99% 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 Giantbank.com decreased slightly from 106.08% as of December 31, 2011 to 69.99% as of December 31, 2012, resulting in a positive change of 34.02%.This indicates that the balance sheet and financial strength for Giantbank.com has improved slightly in recent periods.
Deposit Growth
In the past year, Giantbank.com has decreased its total deposits by -$19.2 million, resulting in -9.32% 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 Giantbank.com 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. Giantbank.com has $256 million in assets with $45.67 million in equity, resulting in a capitalization level of 17.84%, which is excellent.

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