National Bank of Southwest Florida

National Bank of Southwest Florida is headquartered in Port Charlotte and is the 93^rd largest bank in the state of Florida. It is also the 2,509^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 39 employees at 5 locations. National Bank of Southwest Florida has a 5-star health rating.

National Bank of Southwest Florida Routing Number: 067016192

Data for Q1 2012

Institution Statistics Encore National Bank FDIC Certificate # 58376 BankRate Report View Year Established 2007 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $257.69 million Loans $106.82 million Deposits $220.05 million Equity Capital $30.69 million Loan Loss Allowance $879,000 Unbacked Noncurrent Loans $2.95 million Real Estate Owned $504,000 Historic Data - March 2011 Assets $239.45 million Equity Capital $27.40 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $3.67 million Real Estate Owned $504,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -0.02% Return on Equity -0.19% Interest Income $2.18 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 National Bank of Southwest Florida had $3.45 million in non-current loans and owned real-estate with $31.56 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Southwest Florida a Texas Ratio of 10.93% 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 National Bank of Southwest Florida decreased slightly from 14.30% as of March 31, 2011 to 10.93% as of March 31, 2012, resulting in a positive change of 23.52%.This indicates that the balance sheet and financial strength for National Bank of Southwest Florida has improved slightly in recent periods. Deposit Growth In the past year, National Bank of Southwest Florida has increased its total deposits by $8.77 million, resulting in 4.15% 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 National Bank of Southwest Florida has shown is above average. 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. National Bank of Southwest Florida has $257.69 million in assets with $31.56 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

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