Gulf Coast Community Bank

Gulf Coast Community Bank is headquartered in Pensacola and is the 126^th largest bank in the state of Florida. It is also the 3,149^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 49 employees at 5 locations. Gulf Coast Community Bank has a 1-star health rating.

Gulf Coast Community Bank Routing Number: 063215489

Data for Q1 2012

Institution Statistics Gulf Coast Community Bank FDIC Certificate # 57564 BankRate Report View Year Established 2003 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $197.68 million Loans $129.47 million Deposits $165.63 million Equity Capital $6.94 million Loan Loss Allowance $4.16 million Unbacked Noncurrent Loans $16.46 million Real Estate Owned $20.92 million Historic Data - March 2011 Assets $235.78 million Equity Capital $12.55 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $33.55 million Real Estate Owned $16.22 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets -0.04% Return on Equity -1.14% Interest Income $1.95 million

Institution Health Overall Score: 1 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 Gulf Coast Community Bank had $37.39 million in non-current loans and owned real-estate with $11.1 million in equity and loan loss allowances on hand to cover it. This gives Gulf Coast Community Bank a Texas Ratio of 336.93% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gulf Coast Community Bank held steady from 313.33% as of March 31, 2011 to 336.93% as of March 31, 2012, resulting in a negative change of 7.53%. This indicates that the balance sheet and financial strength for Gulf Coast Community Bank has held steady in recent periods. Deposit Growth In the past year, Gulf Coast Community Bank has decreased its total deposits by -$32.17 million, resulting in -16.27% 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 Gulf Coast Community Bank 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. Gulf Coast Community Bank has $197.68 million in assets with $11.1 million in equity, resulting in a capitalization level of 5.61%, which is below average.

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