Raymond James Bank, FSB

Raymond James Bank, FSB is headquartered in Saint Petersburg and is the 3^rd largest bank in the state of Florida. It is also the 118^st largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 131 employees at 1 location. Raymond James Bank, FSB has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Raymond James Bank, National Association OTS # 12002 FDIC Certificate # 33893 BankRate Report View Year Established 1994 Employees 131 Primary Regulator OCC Assets and Liabilities Assets $8.95 billion Loans $7.45 billion Deposits $7.92 billion Equity Capital $973.64 million Loan Loss Allowance $144.68 million Unbacked Noncurrent Loans $102.81 million Real Estate Owned $13.98 million Historic Data - March 2011 Assets $7.58 billion Equity Capital $821.30 million Loan Loss Allowance $137.06 million Unbacked Noncurrent Loans $123.78 million Real Estate Owned $19.97 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.63% Return on Equity 14.79% Interest Income $80.58 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 Raymond James Bank, FSB had $116.8 million in non-current loans and owned real-estate with $1.12 billion in equity and loan loss allowances on hand to cover it. This gives Raymond James Bank, FSB a Texas Ratio of 10.44% 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 Raymond James Bank, FSB decreased slightly from 15.00% as of March 31, 2011 to 10.44% as of March 31, 2012, resulting in a positive change of 30.37%.This indicates that the balance sheet and financial strength for Raymond James Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Raymond James Bank, FSB has increased its total deposits by $1.21 billion, resulting in 17.96% 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 Raymond James Bank, FSB 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. Raymond James Bank, FSB has $8.95 billion in assets with $1.12 billion in equity, resulting in a capitalization level of 12.49%, which is excellent.

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