Gotham Bank of New York

Gotham Bank of New York is headquartered in New York and is the 90^th largest bank in the state of New York. It is also the 1,484^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 34 employees at 1 location. Gotham Bank of New York has a 5-star health rating.

Gotham Bank of New York Routing Number: 026010605

Data for Q1 2012

Institution Statistics Gotham Bank of New York FDIC Certificate # 23258 BankRate Report View Year Established 1980 Employees 34 Primary Regulator FED Assets and Liabilities Assets $449.86 million Loans $186.83 million Deposits $386.42 million Equity Capital $31.88 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $348,000 Historic Data - March 2011 Assets $385.51 million Equity Capital $28.10 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $682,000 Profit Margin - Quarterly Net Interest Margin 2.15% Return on Assets 0.94% Return on Equity 12.92% Interest Income $3.23 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 Gotham Bank of New York had $348,000 in non-current loans and owned real-estate with $34.28 million in equity and loan loss allowances on hand to cover it. This gives Gotham Bank of New York a Texas Ratio of 1.02% 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 Gotham Bank of New York decreased significantly from 2.26% as of March 31, 2011 to 1.02% as of March 31, 2012, resulting in a positive change of 55.02%.This indicates that the balance sheet and financial strength for Gotham Bank of New York has improved significantly in recent periods. Deposit Growth In the past year, Gotham Bank of New York has increased its total deposits by $76.1 million, resulting in 24.52% 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 Gotham Bank of New York 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. Gotham Bank of New York has $449.86 million in assets with $34.28 million in equity, resulting in a capitalization level of 7.62%, which is below average.

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