The Royal Palm Bank of Florida

The Royal Palm Bank of Florida is headquartered in Naples and is the 194^th largest bank in the state of Florida. It is also the 5,303^rd largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 28 employees at 4 locations. The Royal Palm Bank of Florida's money market rates are 14% higher than the national average, but it has a 1-star health rating.

The Royal Palm Bank of Florida Routing Number: 067015203

The Royal Palm Bank of Florida Checking Account Rates

The Royal Palm Bank of Florida Savings Account Rates

The Royal Palm Bank of Florida Money Market Rates

The Royal Palm Bank of Florida CD Rates

Data for Q1 2012

Institution Statistics The Royal Palm Bank of Florida FDIC Certificate # 57096 BankRate Report View Year Established 2001 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $86.96 million Loans $52.96 million Deposits $85.06 million Equity Capital $1.21 million Loan Loss Allowance $4.64 million Unbacked Noncurrent Loans $8.54 million Real Estate Owned $6.53 million Historic Data - March 2011 Assets $112.28 million Equity Capital $3.16 million Loan Loss Allowance $7.82 million Unbacked Noncurrent Loans $11.59 million Real Estate Owned $6.13 million Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -3.99% Return on Equity -213.24% Interest Income $746,000

Institution Health Overall Score: 1 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 Royal Palm Bank of Florida had $15.07 million in non-current loans and owned real-estate with $5.85 million in equity and loan loss allowances on hand to cover it. This gives The Royal Palm Bank of Florida a Texas Ratio of 257.60% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Royal Palm Bank of Florida increased slightly from 161.42% as of March 31, 2011 to 257.60% as of March 31, 2012, resulting in a negative change of 59.59%. This indicates that the balance sheet and financial strength for The Royal Palm Bank of Florida has declined slightly in recent periods. Deposit Growth In the past year, The Royal Palm Bank of Florida has decreased its total deposits by -$22.96 million, resulting in -21.26% 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 Royal Palm Bank of Florida 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. The Royal Palm Bank of Florida has $86.96 million in assets with $5.85 million in equity, resulting in a capitalization level of 6.73%, which is below average.

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