International Finance Bank

International Finance Bank is headquartered in Miami and is the 67^th largest bank in the state of Florida. It is also the 1,809^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 80 employees at 6 locations. International Finance Bank has a 2-star health rating.

International Finance Bank Routing Number: 067011692

Data for Q1 2012

Institution Statistics International Finance Bank FDIC Certificate # 24823 BankRate Report View Year Established 1983 Employees 80 Primary Regulator FDIC Assets and Liabilities Assets $367.67 million Loans $244.05 million Deposits $324.62 million Equity Capital $41.37 million Loan Loss Allowance $14.31 million Unbacked Noncurrent Loans $41.53 million Real Estate Owned $2.22 million Historic Data - March 2011 Assets $473.87 million Equity Capital $37.56 million Loan Loss Allowance $11.51 million Unbacked Noncurrent Loans $26.42 million Real Estate Owned $2.24 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0% Return on Equity 0% Interest Income $4.01 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 International Finance Bank had $43.76 million in non-current loans and owned real-estate with $55.68 million in equity and loan loss allowances on hand to cover it. This gives International Finance Bank a Texas Ratio of 78.59% 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 International Finance Bank increased slightly from 58.42% as of March 31, 2011 to 78.59% as of March 31, 2012, resulting in a negative change of 34.53%. This indicates that the balance sheet and financial strength for International Finance Bank has declined slightly in recent periods. Deposit Growth In the past year, International Finance Bank has decreased its total deposits by -$101.82 million, resulting in -23.88% 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 International Finance 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. International Finance Bank has $367.67 million in assets with $55.68 million in equity, resulting in a capitalization level of 15.14%, which is excellent.

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