The Oculina Bank

The Oculina Bank is headquartered in Fort Pierce and is the 159^th largest bank in the state of Florida. It is also the 4,001^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 53 employees at 8 locations. The Oculina Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Oculina Bank OTS # 17955 FDIC Certificate # 57559 BankRate Report View Year Established 2004 Employees 53 Primary Regulator OCC Assets and Liabilities Assets $143.05 million Loans $96.98 million Deposits $130.95 million Equity Capital $11.91 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $4.36 million Real Estate Owned $3.63 million Historic Data - March 2011 Assets $129.37 million Equity Capital $12.20 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $7.46 million Real Estate Owned $3.40 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 1.41% Return on Equity 16.97% Interest Income $1.42 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 March 31, 2012 The Oculina Bank had $7.99 million in non-current loans and owned real-estate with $14.06 million in equity and loan loss allowances on hand to cover it. This gives The Oculina Bank a Texas Ratio of 56.86% 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 The Oculina Bank decreased slightly from 72.22% as of March 31, 2011 to 56.86% as of March 31, 2012, resulting in a positive change of 21.27%.This indicates that the balance sheet and financial strength for The Oculina Bank has improved slightly in recent periods. Deposit Growth In the past year, The Oculina Bank has increased its total deposits by $14 million, resulting in 11.97% 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 The Oculina Bank 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. The Oculina Bank has $143.05 million in assets with $14.06 million in equity, resulting in a capitalization level of 9.83%, which is average.

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