Interamerican Bank, A FSB

Interamerican Bank, A FSB is headquartered in Miami and is the 98^th largest bank in the state of Florida. It is also the 2,595^th largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 74 employees at 5 locations. Interamerican Bank, A FSB has a 2-star health rating.

Data for Q1 2012

Institution Statistics Interamerican Bank, A FSB OTS # 07506 FDIC Certificate # 31823 BankRate Report View Year Established 1976 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $247.19 million Loans $193.11 million Deposits $223.73 million Equity Capital $22.34 million Loan Loss Allowance $7.70 million Unbacked Noncurrent Loans $18.16 million Real Estate Owned $6.02 million Historic Data - March 2011 Assets $256.04 million Equity Capital $30.03 million Loan Loss Allowance $5.29 million Unbacked Noncurrent Loans $9.43 million Real Estate Owned $4.00 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets -12.96% Return on Equity -121.86% Interest Income $2.42 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 Interamerican Bank, A FSB had $24.18 million in non-current loans and owned real-estate with $30.04 million in equity and loan loss allowances on hand to cover it. This gives Interamerican Bank, A FSB a Texas Ratio of 80.50% 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 Interamerican Bank, A FSB increased slightly from 38.02% as of March 31, 2011 to 80.50% as of March 31, 2012, resulting in a negative change of 111.74%. This indicates that the balance sheet and financial strength for Interamerican Bank, A FSB has declined slightly in recent periods. Deposit Growth In the past year, Interamerican Bank, A FSB has decreased its total deposits by $-560,000, resulting in -0.25% 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 Interamerican Bank, A FSB 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. Interamerican Bank, A FSB has $247.19 million in assets with $30.04 million in equity, resulting in a capitalization level of 12.15%, which is excellent.

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