Oriental Bank and Trust

Oriental Bank and Trust is headquartered in San Juan and is the 6^th largest bank in the state of PR. It is also the 146^th largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 686 employees at 3 locations. Oriental Bank and Trust's money market rates are 70% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Oriental Bank and Trust FDIC Certificate # 31469 BankRate Report View Year Established 1965 Employees 686 Primary Regulator FDIC Assets and Liabilities Assets $6.42 billion Loans $1.66 billion Deposits $2.28 billion Equity Capital $686.70 million Loan Loss Allowance $93.80 million Unbacked Noncurrent Loans $331.35 million Real Estate Owned $16.36 million Historic Data - March 2011 Assets $7.03 billion Equity Capital $705.55 million Loan Loss Allowance $86.21 million Unbacked Noncurrent Loans $340.03 million Real Estate Owned $12.79 million Profit Margin - Quarterly Net Interest Margin 2.63% Return on Assets 0.65% Return on Equity 6.23% Interest Income $69.81 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 Oriental Bank and Trust had $347.7 million in non-current loans and owned real-estate with $780.5 million in equity and loan loss allowances on hand to cover it. This gives Oriental Bank and Trust a Texas Ratio of 44.55% 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 Oriental Bank and Trust held steady from 44.56% as of March 31, 2011 to 44.55% as of March 31, 2012, resulting in a positive change of 0.03%.This indicates that the balance sheet and financial strength for Oriental Bank and Trust has held steady in recent periods. Deposit Growth In the past year, Oriental Bank and Trust has decreased its total deposits by -$226.28 million, resulting in -9.03% 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 Oriental Bank and Trust has shown is poor. 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. Oriental Bank and Trust has $6.42 billion in assets with $780.5 million in equity, resulting in a capitalization level of 12.15%, which is excellent.