Terrabank

Terrabank is headquartered in Miami and is the 89^th largest bank in the state of Florida. It is also the 2,341^st largest bank in the nation. It was established in 1985 and as of September of 2011, it had grown to 70 employees at 3 locations. Terrabank has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Terrabank, National Association FDIC Certificate # 26442 BankRate Report View Year Established 1985 Employees 70 Primary Regulator OCC Assets and Liabilities Assets $272.38 million Loans $168.62 million Deposits $246.03 million Equity Capital $25.70 million Loan Loss Allowance $2.51 million Unbacked Noncurrent Loans $8.07 million Real Estate Owned $634,000 Historic Data - September 2010 Assets $267.12 million Equity Capital $25.56 million Loan Loss Allowance $2.17 million Unbacked Noncurrent Loans $5.60 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.5% Return on Equity 5.23% Interest Income $8.87 million

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 September 30, 2011 Terrabank had $8.71 million in non-current loans and owned real-estate with $28.21 million in equity and loan loss allowances on hand to cover it. This gives Terrabank a Texas Ratio of 30.87% 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 Terrabank increased slightly from 20.20% as of September 30, 2010 to 30.87% as of September 30, 2011, resulting in a negative change of 52.78%. This indicates that the balance sheet and financial strength for Terrabank has declined slightly in recent periods. Deposit Growth In the past year, Terrabank has increased its total deposits by $7.74 million, resulting in 3.25% 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 Terrabank has shown is above average. 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. Terrabank has $272.38 million in assets with $28.21 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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