Old Florida National Bank

Old Florida National Bank is headquartered in Orlando and is the 46^th largest bank in the state of Florida. It is also the 1,161^st largest bank in the nation. It was established in 1982 and as of September of 2011, it had grown to 129 employees at 8 locations. Old Florida National Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Old Florida National Bank FDIC Certificate # 24244 BankRate Report View Year Established 1982 Employees 129 Primary Regulator OCC Assets and Liabilities Assets $576.55 million Loans $378.77 million Deposits $504.93 million Equity Capital $62.49 million Loan Loss Allowance $6.74 million Unbacked Noncurrent Loans $5.26 million Real Estate Owned $1.38 million Historic Data - September 2010 Assets $388.30 million Equity Capital $53.95 million Loan Loss Allowance $4.90 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $1.50 million Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 0.56% Return on Equity 4.7% Interest Income $17.78 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 September 30, 2011 Old Florida National Bank had $6.63 million in non-current loans and owned real-estate with $69.23 million in equity and loan loss allowances on hand to cover it. This gives Old Florida National Bank a Texas Ratio of 9.58% 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 Old Florida National Bank held steady from 9.78% as of September 30, 2010 to 9.58% as of September 30, 2011, resulting in a positive change of 2.04%.This indicates that the balance sheet and financial strength for Old Florida National Bank has held steady in recent periods. Deposit Growth In the past year, Old Florida National Bank has increased its total deposits by $173.4 million, resulting in 52.31% 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 Old Florida National 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. Old Florida National Bank has $576.55 million in assets with $69.23 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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