Seaside National Bank & Trust

Seaside National Bank & Trust is headquartered in Orlando and is the 34^th largest bank in the state of Florida. It is also the 874^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 125 employees at 12 locations. Seaside National Bank & Trust has a 5-star health rating.

Seaside National Bank & Trust Routing Number: 063116083

Data for Q1 2012

Institution Statistics Seaside National Bank & Trust FDIC Certificate # 58328 BankRate Report View Year Established 2006 Employees 125 Primary Regulator OCC Assets and Liabilities Assets $761.18 million Loans $529.62 million Deposits $626.59 million Equity Capital $86.17 million Loan Loss Allowance $6.95 million Unbacked Noncurrent Loans $4.26 million Real Estate Owned $3.03 million Historic Data - March 2011 Assets $704.50 million Equity Capital $77.11 million Loan Loss Allowance $9.10 million Unbacked Noncurrent Loans $8.53 million Real Estate Owned $2.28 million Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 0.22% Return on Equity 1.92% Interest Income $7.44 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 Seaside National Bank & Trust had $7.29 million in non-current loans and owned real-estate with $93.12 million in equity and loan loss allowances on hand to cover it. This gives Seaside National Bank & Trust a Texas Ratio of 7.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Seaside National Bank & Trust decreased slightly from 9.25% as of March 31, 2011 to 7.83% as of March 31, 2012, resulting in a positive change of 15.35%.This indicates that the balance sheet and financial strength for Seaside National Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Seaside National Bank & Trust has increased its total deposits by $47.42 million, resulting in 8.19% 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 Seaside National Bank & Trust 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. Seaside National Bank & Trust has $761.18 million in assets with $93.12 million in equity, resulting in a capitalization level of 12.23%, which is excellent.

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