ProBank

ProBank is headquartered in Tallahassee and is the 205^th largest bank in the state of Florida. It is also the 5,639^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 24 employees at 3 locations. ProBank has a 2-star health rating.

ProBank Routing Number: 063116407

Data for Q1 2012

Institution Statistics ProBank FDIC Certificate # 58546 BankRate Report View Year Established 2007 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $74.83 million Loans $44.57 million Deposits $66.82 million Equity Capital $4.76 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $931,000 Historic Data - March 2011 Assets $91.73 million Equity Capital $5.91 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $3.18 million Real Estate Owned $1.96 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets -2.36% Return on Equity -55.93% Interest Income $830,000

Institution Health Overall Score: 2 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 ProBank had $3.78 million in non-current loans and owned real-estate with $6.59 million in equity and loan loss allowances on hand to cover it. This gives ProBank a Texas Ratio of 57.47% 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 ProBank decreased slightly from 71.31% as of March 31, 2011 to 57.47% as of March 31, 2012, resulting in a positive change of 19.41%.This indicates that the balance sheet and financial strength for ProBank has improved slightly in recent periods. Deposit Growth In the past year, ProBank has decreased its total deposits by -$11.65 million, resulting in -14.85% 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 ProBank 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. ProBank has $74.83 million in assets with $6.59 million in equity, resulting in a capitalization level of 8.80%, which is average.

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