Esquire Bank

Esquire Bank is headquartered in Brooklyn and is the 121^st largest bank in the state of New York. It is also the 2,821^st largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 35 employees at 2 locations. Esquire Bank's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Esquire Bank OTS # 18006 FDIC Certificate # 58140 BankRate Report View Year Established 2006 Employees 35 Primary Regulator OCC Assets and Liabilities Assets $226.27 million Loans $108.09 million Deposits $203.92 million Equity Capital $20.93 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $398,000 Historic Data - March 2011 Assets $209.40 million Equity Capital $16.80 million Loan Loss Allowance $355,000 Unbacked Noncurrent Loans $480,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets -1.35% Return on Equity -14.58% Interest Income $2.06 million

Institution Health Overall Score: 5 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 Esquire Bank had $398,000 in non-current loans and owned real-estate with $22 million in equity and loan loss allowances on hand to cover it. This gives Esquire Bank a Texas Ratio of 1.81% 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 Esquire Bank decreased slightly from 2.80% as of March 31, 2011 to 1.81% as of March 31, 2012, resulting in a positive change of 35.34%.This indicates that the balance sheet and financial strength for Esquire Bank has improved slightly in recent periods. Deposit Growth In the past year, Esquire Bank has increased its total deposits by $12.14 million, resulting in 6.33% 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 Esquire Bank has shown is excellent. 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. Esquire Bank has $226.27 million in assets with $22 million in equity, resulting in a capitalization level of 9.72%, which is average.

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