Marlin Business Bank

Marlin Business Bank is headquartered in Salt Lake City and is the 28^th largest bank in the state of Utah. It is also the 2,031^st largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 10 employees at 1 location. Marlin Business Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Marlin Business Bank FDIC Certificate # 58267 BankRate Report View Year Established 2008 Employees 10 Primary Regulator FED Assets and Liabilities Assets $320.51 million Loans $289.15 million Deposits $238.93 million Equity Capital $61.42 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $351,000 Historic Data - March 2011 Assets $157.94 million Equity Capital $46.46 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $173,000 Profit Margin - Quarterly Net Interest Margin 11.56% Return on Assets 2.5% Return on Equity 13.27% Interest Income $9.18 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 Marlin Business Bank had $351,000 in non-current loans and owned real-estate with $64.09 million in equity and loan loss allowances on hand to cover it. This gives Marlin Business Bank a Texas Ratio of 0.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Marlin Business Bank held steady from 0.36% as of March 31, 2011 to 0.55% as of March 31, 2012, resulting in a negative change of 51.96%. This indicates that the balance sheet and financial strength for Marlin Business Bank has held steady in recent periods. Deposit Growth In the past year, Marlin Business Bank has increased its total deposits by $143.1 million, resulting in 149.34% 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 Marlin Business 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. Marlin Business Bank has $320.51 million in assets with $64.09 million in equity, resulting in a capitalization level of 20.00%, which is excellent.

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