Asia Bank, National Association

Asia Bank, National Association is headquartered in Flushing and is the 90^th largest bank in the state of New York. It is also the 1,508^th largest bank in the nation. It was established in 1984 and as of December of 2011, it had grown to 84 employees at 5 locations. Asia Bank, National Association has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Asia Bank, National Association FDIC Certificate # 25745 BankRate Report View Year Established 1984 Employees 84 Primary Regulator OCC Assets and Liabilities Assets $437.40 million Loans $356.58 million Deposits $368.56 million Equity Capital $65.19 million Loan Loss Allowance $5.43 million Unbacked Noncurrent Loans $15.63 million Historic Data - December 2010 Assets $424.20 million Equity Capital $63.42 million Loan Loss Allowance $5.21 million Unbacked Noncurrent Loans $2.42 million Profit Margin - Quarterly Net Interest Margin 4.73% Return on Assets 1.28% Return on Equity 8.35% Interest Income $22.33 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, 2011 Asia Bank, National Association had $15.63 million in non-current loans and owned real-estate with $70.63 million in equity and loan loss allowances on hand to cover it. This gives Asia Bank, National Association a Texas Ratio of 22.13% 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 Asia Bank, National Association increased slightly from 3.41% as of December 31, 2010 to 22.13% as of December 31, 2011, resulting in a negative change of 548.63%. This indicates that the balance sheet and financial strength for Asia Bank, National Association has declined slightly in recent periods. Deposit Growth In the past year, Asia Bank, National Association has increased its total deposits by $11.21 million, resulting in 3.14% 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 Asia Bank, National Association 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. Asia Bank, National Association has $437.4 million in assets with $70.63 million in equity, resulting in a capitalization level of 16.15%, which is excellent.

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