BPD Bank

BPD Bank is headquartered in New York and is the 99^th largest bank in the state of New York. It is also the 1,717^st largest bank in the nation. It was established in 1986 and as of December of 2011, it had grown to 60 employees at 1 location. BPD Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics BPD Bank FDIC Certificate # 26508 BankRate Report View Year Established 1986 Employees 60 Primary Regulator FED Assets and Liabilities Assets $384.54 million Loans $237.74 million Deposits $286.09 million Equity Capital $66.68 million Loan Loss Allowance $5.49 million Unbacked Noncurrent Loans $4.53 million Historic Data - December 2010 Assets $411.31 million Equity Capital $62.75 million Loan Loss Allowance $5.14 million Unbacked Noncurrent Loans $3.40 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.98% Return on Equity 6.18% Interest Income $17.76 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 BPD Bank had $4.53 million in non-current loans and owned real-estate with $72.16 million in equity and loan loss allowances on hand to cover it. This gives BPD Bank a Texas Ratio of 6.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BPD Bank held steady from 5.00% as of December 31, 2010 to 6.28% as of December 31, 2011, resulting in a negative change of 25.40%. This indicates that the balance sheet and financial strength for BPD Bank has held steady in recent periods. Deposit Growth In the past year, BPD Bank has decreased its total deposits by -$18.65 million, resulting in -6.12% 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 BPD 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. BPD Bank has $384.54 million in assets with $72.16 million in equity, resulting in a capitalization level of 18.77%, which is excellent.

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