First American International Bank

First American International Bank is headquartered in Brooklyn and is the 78^th largest bank in the state of New York. It is also the 1,260^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 179 employees at 9 locations. First American International Bank's money market rates are 14% higher than the national average, and it has a 3-star health rating.

First American International Bank Routing Number: 026013408

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Data for Q1 2012

Institution Statistics First American International Bank FDIC Certificate # 35186 BankRate Report View Year Established 1999 Employees 179 Primary Regulator FDIC Assets and Liabilities Assets $536.29 million Loans $382.47 million Deposits $450.77 million Equity Capital $60.73 million Loan Loss Allowance $15.77 million Unbacked Noncurrent Loans $33.50 million Real Estate Owned $643,000 Historic Data - March 2011 Assets $597.09 million Equity Capital $58.39 million Loan Loss Allowance $20.99 million Unbacked Noncurrent Loans $36.44 million Real Estate Owned $180,000 Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 0.93% Return on Equity 8.31% Interest Income $7.92 million

Institution Health Overall Score: 3 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 First American International Bank had $34.14 million in non-current loans and owned real-estate with $76.5 million in equity and loan loss allowances on hand to cover it. This gives First American International Bank a Texas Ratio of 44.63% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First American International Bank held steady from 46.13% as of March 31, 2011 to 44.63% as of March 31, 2012, resulting in a positive change of 3.25%.This indicates that the balance sheet and financial strength for First American International Bank has held steady in recent periods. Deposit Growth In the past year, First American International Bank has decreased its total deposits by -$60.63 million, resulting in -11.86% 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 First American International 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. First American International Bank has $536.29 million in assets with $76.5 million in equity, resulting in a capitalization level of 14.26%, which is excellent.

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