Mainstreet Community Bank of Florida

Mainstreet Community Bank of Florida is headquartered in Deland and is the 114^st largest bank in the state of Florida. It is also the 2,976^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 48 employees at 4 locations. Mainstreet Community Bank of Florida has a 3-star health rating.

Data for Q1 2012

Institution Statistics Mainstreet Community Bank of Florida FDIC Certificate # 57598 BankRate Report View Year Established 2003 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $212.86 million Loans $143.07 million Deposits $188.67 million Equity Capital $18.49 million Loan Loss Allowance $4.43 million Unbacked Noncurrent Loans $3.13 million Real Estate Owned $4.57 million Historic Data - March 2011 Assets $186.00 million Equity Capital $17.21 million Loan Loss Allowance $4.64 million Unbacked Noncurrent Loans $5.64 million Real Estate Owned $2.30 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 0.47% Return on Equity 5.29% Interest Income $2.34 million

Institution Health Overall Score: 3 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 Mainstreet Community Bank of Florida had $7.71 million in non-current loans and owned real-estate with $22.92 million in equity and loan loss allowances on hand to cover it. This gives Mainstreet Community Bank of Florida a Texas Ratio of 33.63% 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 Mainstreet Community Bank of Florida held steady from 36.33% as of March 31, 2011 to 33.63% as of March 31, 2012, resulting in a positive change of 7.45%.This indicates that the balance sheet and financial strength for Mainstreet Community Bank of Florida has held steady in recent periods. Deposit Growth In the past year, Mainstreet Community Bank of Florida has increased its total deposits by $25.57 million, resulting in 15.68% 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 Mainstreet Community Bank of Florida 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. Mainstreet Community Bank of Florida has $212.86 million in assets with $22.92 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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