Gibraltar Private Bank & Trust Co.

Gibraltar Private Bank & Trust Co. is headquartered in Coral Gables and is the 16^st largest bank in the state of Florida. It is also the 413^st largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 296 employees at 8 locations. Gibraltar Private Bank & Trust Co. has a 2-star health rating.

Data for Q1 2012

Institution Statistics Gibraltar Private Bank & Trust Co. OTS # 08007 FDIC Certificate # 32212 BankRate Report View Year Established 1984 Employees 296 Primary Regulator OCC Assets and Liabilities Assets $1.63 billion Loans $1.29 billion Deposits $1.31 billion Equity Capital $141.21 million Loan Loss Allowance $32.13 million Unbacked Noncurrent Loans $117.05 million Real Estate Owned $12.33 million Historic Data - March 2011 Assets $1.65 billion Equity Capital $152.56 million Loan Loss Allowance $28.91 million Unbacked Noncurrent Loans $66.90 million Real Estate Owned $11.03 million Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets -0.03% Return on Equity -0.4% Interest Income $16.63 million

Institution Health Overall Score: 2 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 Gibraltar Private Bank & Trust Co. had $129.37 million in non-current loans and owned real-estate with $173.34 million in equity and loan loss allowances on hand to cover it. This gives Gibraltar Private Bank & Trust Co. a Texas Ratio of 74.64% 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 Gibraltar Private Bank & Trust Co. increased slightly from 42.94% as of March 31, 2011 to 74.64% as of March 31, 2012, resulting in a negative change of 73.81%. This indicates that the balance sheet and financial strength for Gibraltar Private Bank & Trust Co. has declined slightly in recent periods. Deposit Growth In the past year, Gibraltar Private Bank & Trust Co. has decreased its total deposits by -$38.5 million, resulting in -2.85% 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 Gibraltar Private Bank & Trust Co. has shown is below 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. Gibraltar Private Bank & Trust Co. has $1.63 billion in assets with $173.34 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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