Affinity Bank

5660 New Northside Drive, Suite 200
Atlanta, GA 30328
866-736-8194
www.myaffinitybank.com

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Affinity Bank used to have the name Atlanta Business Bank.

Affinity Bank Routing Number: 061020197

Top Short-Term CD Rates at Affinity Bank in Georgia Only - 6/29/2011

Affinity Bank recently increased its short-term CD rates. The three most competitive ones include a 1.46% APY 18-month CD, a 1.41% APY 1-year CD and a 1.14% APY 6-month CD. Minimum deposit is $10,000. ...

Competitive Money Market and CD Rates at Affinity Bank - Georgia Only - 4/11/2011

Affinity Bank continues to offer very competitive money market and CD rates. The money market rates have gone down a little since my last report of this bank in September. The money market's top rate ...

Top Money Market and CD Rates at Affinity Bank - Georgia Only - 9/30/2010

Affinity Bank (formerly Atlanta Business Bank) continues to offer several competitive rates on its CDs and money market accounts. The online CD yields range from 1.56% APY for a 6-month term to 2.99% ...

Top Money Market and CD Rates at Atlanta Business Bank - Georgia Only - 7/15/2010

Atlanta Business Bank is offering several competitive rates on its CDs and money market accounts. The online CD yields range from 1.66% APY for a 6-month term to 3.20% APY for a 60-month term. Minimum ...

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See Rates for: Checking | Savings | Money Market | CD

Affinity Bank Checking Account Rates

Apy	Min	Max	Product
0.50%^†	$100	-	Affinity Business Checking
0.50%	-	-	IOLTA
0.20%^†	$100	-	Affinity Checking

Affinity Bank Savings Account Rates

Apy	Min	Max	Product
0.70%^†	$500	-	Affinity Savings
0.70%^†	$500	-	Business Savings

Affinity Bank Money Market Rates

Apy	Min	Max	Product
0.90%^†	$100k	-	Affinity Money Market
0.90%^†	$100k	-	Business Money Market

Affinity Bank CD Rates

Apy	Min	Max	Product
1.35%^†	$10k	-	60 Month CD
1.35%^†	$10k	-	Business 60 Month CD
1.15%^†	$10k	-	48 Month CD
1.15%^†	$10k	-	Business 48 Month CD
0.95%^†	$10k	-	36 Month CD
0.95%^†	$10k	-	Business 36 Month CD
0.75%^†	$10k	-	24 Month CD
0.75%^†	$10k	-	Business 24 Month CD
0.60%^†	$10k	-	18 Month CD
0.60%^†	$10k	-	Business 18 Month CD
0.55%^†	$10k	-	12 Month CD
0.55%^†	$10k	-	Business 12 Month CD
0.35%^†	$10k	-	6 Month CD
0.35%^†	$10k	-	Business 6 Month CD

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

Affinity Bank
FDIC Certificate #	57264
BankRate Report	View
Year Established	2002
Employees	25
Primary Regulator	FDIC
Assets and Liabilities
Assets	$302.26 million
Loans	$208.89 million
Deposits	$261.04 million
Equity Capital	$9.96 million
Loan Loss Allowance	$3.73 million
Unbacked Noncurrent Loans	$17.98 million
Real Estate Owned	$9.44 million
Historic Data - December 2010
Assets	$346.73 million
Equity Capital	$17.11 million
Loan Loss Allowance	$4.01 million
Unbacked Noncurrent Loans	$15.70 million
Real Estate Owned	$11.65 million
Profit Margin - Quarterly
Net Interest Margin	2.03%
Return on Assets	-2.2%
Return on Equity	-56.58%
Interest Income	$14.36 million

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 December 31, 2011 Affinity Bank had $27.42 million in non-current loans and owned real-estate with $13.68 million in equity and loan loss allowances on hand to cover it. This gives Affinity Bank a Texas Ratio of 200.43% 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 Affinity Bank increased slightly from 129.47% as of December 31, 2010 to 200.43% as of December 31, 2011, resulting in a negative change of 54.81%. This indicates that the balance sheet and financial strength for Affinity Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Affinity Bank has decreased its total deposits by -$26.47 million, resulting in -9.21% 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 Affinity 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. Affinity Bank has $302.26 million in assets with $13.68 million in equity, resulting in a capitalization level of 4.53%, which is poor.

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Affinity Bank

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