Chinatown Federal Savings Bank

Chinatown Federal Savings Bank is headquartered in New York and is the 137^th largest bank in the state of New York. It is also the 3,675^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 42 employees at 3 locations. Chinatown Federal Savings Bank has a 4-star health rating.

Chinatown Federal Savings Bank Routing Number: 226072841

Data for Q1 2012

Institution Statistics Chinatown Federal Savings Bank OTS # 08003 FDIC Certificate # 32209 BankRate Report View Year Established 1984 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $161.83 million Loans $120.68 million Deposits $129.91 million Equity Capital $30.86 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $8.15 million Historic Data - March 2011 Assets $162.31 million Equity Capital $30.01 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $6.65 million Profit Margin - Quarterly Net Interest Margin 5.85% Return on Assets 1% Return on Equity 5.26% Interest Income $2.52 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 March 31, 2012 Chinatown Federal Savings Bank had $8.15 million in non-current loans and owned real-estate with $32.57 million in equity and loan loss allowances on hand to cover it. This gives Chinatown Federal Savings Bank a Texas Ratio of 25.02% 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 Chinatown Federal Savings Bank held steady from 21.38% as of March 31, 2011 to 25.02% as of March 31, 2012, resulting in a negative change of 17.06%. This indicates that the balance sheet and financial strength for Chinatown Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Chinatown Federal Savings Bank has decreased its total deposits by -$1.23 million, resulting in -0.94% 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 Chinatown Federal Savings Bank 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. Chinatown Federal Savings Bank has $161.83 million in assets with $32.57 million in equity, resulting in a capitalization level of 20.13%, which is excellent.

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