Sabadell United Bank, National Association

Sabadell United Bank, National Association is headquartered in Miami and is the 8^th largest bank in the state of Florida. It is also the 215^st largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 508 employees at 27 locations. Sabadell United Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Sabadell United Bank, National Association FDIC Certificate # 21837 BankRate Report View Year Established 1974 Employees 508 Primary Regulator OCC Assets and Liabilities Assets $3.67 billion Loans $2.00 billion Deposits $2.82 billion Equity Capital $452.30 million Loan Loss Allowance $25.97 million Unbacked Noncurrent Loans $43.07 million Real Estate Owned $2.96 million Historic Data - March 2011 Assets $2.42 billion Equity Capital $222.44 million Loan Loss Allowance $24.14 million Unbacked Noncurrent Loans $22.73 million Real Estate Owned $94,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.83% Return on Equity 6.62% Interest Income $34.57 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 Sabadell United Bank, National Association had $46.04 million in non-current loans and owned real-estate with $478.27 million in equity and loan loss allowances on hand to cover it. This gives Sabadell United Bank, National Association a Texas Ratio of 9.63% 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 Sabadell United Bank, National Association held steady from 9.25% as of March 31, 2011 to 9.63% as of March 31, 2012, resulting in a negative change of 4.01%. This indicates that the balance sheet and financial strength for Sabadell United Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Sabadell United Bank, National Association has increased its total deposits by $817.36 million, resulting in 40.85% 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 Sabadell United Bank, National Association 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. Sabadell United Bank, National Association has $3.67 billion in assets with $478.27 million in equity, resulting in a capitalization level of 13.05%, which is excellent.

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