Intracoastal Bank

Intracoastal Bank is headquartered in Palm Coast and is the 144^th largest bank in the state of Florida. It is also the 3,570^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 21 employees at 2 locations. Intracoastal Bank has a 5-star health rating.

Intracoastal Bank Routing Number: 063116562

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Data for Q1 2012

Institution Statistics Intracoastal Bank FDIC Certificate # 58692 BankRate Report View Year Established 2008 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $167.81 million Loans $79.83 million Deposits $151.49 million Equity Capital $16.00 million Loan Loss Allowance $1.08 million Historic Data - March 2011 Assets $126.61 million Equity Capital $13.63 million Loan Loss Allowance $849,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.44% Return on Equity 14.46% Interest Income $1.64 million

Institution Health Overall Score: 5 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 Intracoastal Bank had $0 in non-current loans and owned real-estate with $17.08 million in equity and loan loss allowances on hand to cover it. This gives Intracoastal Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Intracoastal Bank has increased its total deposits by $38.69 million, resulting in 34.29% 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 Intracoastal Bank has shown is excellent. 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. Intracoastal Bank has $167.81 million in assets with $17.08 million in equity, resulting in a capitalization level of 10.18%, which is above average.

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