Sabal Palm Bank

Sabal Palm Bank is headquartered in Sarasota and is the 196^th largest bank in the state of Florida. It is also the 5,390^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 15 employees at 3 locations. Sabal Palm Bank has a 3-star health rating.

Sabal Palm Bank Routing Number: 063116122

Data for Q1 2012

Institution Statistics Sabal Palm Bank FDIC Certificate # 58372 BankRate Report View Year Established 2006 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $83.45 million Loans $47.70 million Deposits $73.30 million Equity Capital $10.04 million Loan Loss Allowance $651,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $490,000 Historic Data - March 2011 Assets $89.82 million Equity Capital $9.71 million Loan Loss Allowance $754,000 Unbacked Noncurrent Loans $2.39 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.11% Return on Equity 0.88% Interest Income $854,000

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 Sabal Palm Bank had $1.7 million in non-current loans and owned real-estate with $10.69 million in equity and loan loss allowances on hand to cover it. This gives Sabal Palm Bank a Texas Ratio of 15.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sabal Palm Bank decreased slightly from 22.88% as of March 31, 2011 to 15.87% as of March 31, 2012, resulting in a positive change of 30.63%.This indicates that the balance sheet and financial strength for Sabal Palm Bank has improved slightly in recent periods. Deposit Growth In the past year, Sabal Palm Bank has decreased its total deposits by -$6.67 million, resulting in -8.34% 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 Sabal Palm Bank 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. Sabal Palm Bank has $83.45 million in assets with $10.69 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

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