Natbank, National Association

Natbank, National Association is headquartered in Hollywood and is the 162^nd largest bank in the state of Florida. It is also the 4,151^st largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 26 employees at 2 locations. Natbank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Natbank, National Association FDIC Certificate # 33959 BankRate Report View Year Established 1994 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $134.53 million Loans $76.82 million Deposits $118.86 million Equity Capital $14.87 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.95 million Historic Data - March 2011 Assets $110.09 million Equity Capital $14.56 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $2.42 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.04% Return on Equity 0.32% Interest Income $933,000

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 Natbank, National Association had $1.95 million in non-current loans and owned real-estate with $15.89 million in equity and loan loss allowances on hand to cover it. This gives Natbank, National Association a Texas Ratio of 12.26% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Natbank, National Association decreased slightly from 15.50% as of March 31, 2011 to 12.26% as of March 31, 2012, resulting in a positive change of 20.92%.This indicates that the balance sheet and financial strength for Natbank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Natbank, National Association has increased its total deposits by $24.32 million, resulting in 25.72% 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 Natbank, National Association 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. Natbank, National Association has $134.52 million in assets with $15.89 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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