American Community Bank (NY)

American Community Bank (NY) is headquartered in Glen Cove and is the 132^nd largest bank in the state of New York. It is also the 3,734^th largest bank in the nation. It was established in 2000 and as of December of 2012, it had grown to 27 employees at 4 locations. American Community Bank (NY) has a 4-star health rating.

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Data for Q4 2012

Institution Statistics American Community Bank FDIC Certificate # 35033 BankRate Report View Year Established 2000 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $154.99 million Loans $109.44 million Deposits $129.98 million Equity Capital $20.92 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $5.66 million Real Estate Owned $250,000 Historic Data - December 2011 Assets $156.61 million Equity Capital $19.96 million Loan Loss Allowance $3.91 million Unbacked Noncurrent Loans $7.20 million Real Estate Owned $321,000 Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 0.68% Return on Equity 5.3% Interest Income $7.77 million

Institution Health Overall Score: 4 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, 2012 American Community Bank (NY) had $5.91 million in non-current loans and owned real-estate with $24.71 million in equity and loan loss allowances on hand to cover it. This gives American Community Bank (NY) a Texas Ratio of 23.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Community Bank (NY) decreased slightly from 31.52% as of December 31, 2011 to 23.92% as of December 31, 2012, resulting in a positive change of 24.09%.This indicates that the balance sheet and financial strength for American Community Bank (NY) has improved slightly in recent periods. Deposit Growth In the past year, American Community Bank (NY) has increased its total deposits by $537,000, resulting in 0.41% 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 American Community Bank (NY) has shown is 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. American Community Bank (NY) has $154.99 million in assets with $24.71 million in equity, resulting in a capitalization level of 15.94%, which is excellent.

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