Habib American Bank

99 Madison Avenue
New York, NY 10016
(212) 532-4444
www.habibamericanbank.com

FDIC

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Habib American Bank is headquartered in New York and is the 53^rd largest bank in the state of New York. It is also the 857^th largest bank in the nation. It was established in 1984 and as of December of 2012, it had grown to 131 employees at 7 locations. Habib American Bank's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

New-Branch CD Special at Habib American Bank in New Jersey - Local Only - 9/24/2012

Habib American Bank has been adding branches in the New York and New Jersey. Last year it added a branch at Richmond Hill, NY, and just recently it has added a branch at Iselin, NJ. The bank is advert ...

Competitive 5-Year CD Rate at Habib American Bank in CA, NY & NJ - Local Only - 6/12/2012

Habib American Bank is again offering some competitive CD and IRA CD rates. The most competitive is the 5-year CD and IRA CD which has a 2.00% APY. A checking account is required for non-IRA CDs. Mini ...

Competitive CD Rates at Habib American Bank in NJ and CA - Local Only - 6/26/2011

Habib American Bank is advertising three very competitive CD rates at its Edison, New Jersey branch. These include a 1.20% APY 6-month CD, a 1.60% APY 18-month CD and a 1.85% APY 2-year CD. Minimum de ...

1.60 APY 12 Months, 1.90 APY 24 Months (Forum) - 3/7/2011

Habib American Bank is offering 1.60% APY for a 12-month CD, and 1.90% APY for 24 months, at its California branches only. The promo expires April 18. It might apply only to IRA accounts, but the flyer I just got in the mail from that telling about it is

2011

1/11 - Top CD Rates Are Back at Habib American Bank in CA, NY & NJ - Local Only

2010

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See Rates for: Checking | Savings | Money Market | CD | IRA

Habib American Bank Checking Account Rates

	Apy	Min	Max	Product
	0.50%	-	-	Now Accounts - California

Habib American Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$500	-	Statement Savings - NY & NJ
0.50%	$500	-	Statement Savings - California

Habib American Bank Money Market Rates

Apy	Min	Max	Product
0.65%	$1,500	-	Money Market - California
0.50%	$1,500	-	Money Market - NY & NJ

Habib American Bank CD Rates

Apy	Min	Max	Product
1.00%	$1,500	-	2 Year CD - Manhattan
1.00%	$1,500	-	3 Year CD - Manhattan
1.00%	$1,500	-	2 Year CD - Queens & NJ & Hicksville
1.00%	$1,500	-	3 Year CD - Queens & NJ & Hicksville
1.00%	$1,500	-	4 Year CD - Manhattan
1.00%	$1,500	-	4 Year CD - Queens & NJ & Hicksville
1.00%	$1,500	-	2 Year CD - California
1.00%	$1,500	-	3 Year CD - California
1.00%	$1,500	-	4 Year CD - California
0.75%	$1,500	-	12 Month CD - California
0.75%	$1,500	-	18 Month CD - California
0.63%	$1,500	-	18 Month CD - Manhattan
0.63%	$1,500	-	18 Month CD - Queens & NJ & Hicksville
0.55%	$1,500	-	6 Month CD - California
0.50%	$1,500	-	12 Month CD - Manhattan
0.50%	$1,500	-	12 Month CD - Queens & NJ & Hicksville
0.38%	$1,500	-	6 Month CD - Manhattan
0.38%	$1,500	-	6 Month CD - Queens & NJ & Hicksville
0.25%	$1,500	-	3 Month CD - Manhattan
0.25%	$1,500	-	3 Month CD - Queens & NJ & Hicksville
0.20%	$1,500	-	3 Month CD - California
0.10%	$1,500	-	1 Month CD - Manhattan
0.10%	$1,500	-	1 Month CD - Queens & NJ & Hicksville
0.10%	$1,500	-	1 Month CD - California

Habib American Bank IRA Rates

Apy	Min	Max	Product
1.00%	$1,500	-	2 Year IRA - Manhattan
1.00%	$1,500	-	2 Year IRA - Queens & NJ & Hicksville
1.00%	$1,500	-	3 Year IRA - Manhattan
1.00%	$1,500	-	3 Year IRA - Queens & NJ & Hicksville
1.00%	$1,500	-	4 Year IRA - Manhattan
1.00%	$1,500	-	4 Year IRA - Queens & NJ & Hicksville
1.00%	$1,500	-	2 Year IRA - California
1.00%	$1,500	-	3 Year IRA - California
1.00%	$1,500	-	4 Year IRA - California
0.75%	$1,500	-	12 Month IRA - California
0.75%	$1,500	-	18 Month IRA - California
0.63%	$1,500	-	18 Month IRA - Manhattan
0.63%	$1,500	-	18 Month IRA - Queens & NJ & Hicksville
0.55%	$1,500	-	6 Month IRA - California
0.50%	$1,500	-	12 Month IRA - Manhattan
0.50%	$1,500	-	12 Month IRA - Queens & NJ & Hicksville
0.38%	$1,500	-	6 Month IRA - Manhattan
0.38%	$1,500	-	6 Month IRA - Queens & NJ & Hicksville
0.25%	$1,500	-	3 Month IRA - Manhattan
0.25%	$1,500	-	3 Month IRA - Queens & NJ & Hicksville
0.20%	$1,500	-	3 Month IRA - California
0.10%	$1,500	-	1 Month IRA - Manhattan
0.10%	$1,500	-	1 Month IRA - Queens & NJ & Hicksville
0.10%	$1,500	-	1 Month IRA - California

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

Habib American Bank
FDIC Certificate #	25093
BankRate Report	View
Year Established	1984
Employees	131
Primary Regulator	FDIC
Assets and Liabilities
Assets	$780.33 million
Loans	$459.23 million
Deposits	$694.95 million
Equity Capital	$75.06 million
Loan Loss Allowance	$8.53 million
Unbacked Noncurrent Loans	$7.98 million
Real Estate Owned	$395,000
Historic Data - December 2011
Assets	$692.20 million
Equity Capital	$68.63 million
Loan Loss Allowance	$7.15 million
Unbacked Noncurrent Loans	$11.82 million
Profit Margin - Quarterly
Net Interest Margin	2.73%
Return on Assets	0.87%
Return on Equity	8.93%
Interest Income	$24.65 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 December 31, 2012 Habib American Bank had $8.37 million in non-current loans and owned real-estate with $83.59 million in equity and loan loss allowances on hand to cover it. This gives Habib American Bank a Texas Ratio of 10.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Habib American Bank decreased slightly from 15.59% as of December 31, 2011 to 10.02% as of December 31, 2012, resulting in a positive change of 35.77%.This indicates that the balance sheet and financial strength for Habib American Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Habib American Bank has increased its total deposits by $81.1 million, resulting in 13.21% 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 Habib American 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. Habib American Bank has $780.33 million in assets with $83.59 million in equity, resulting in a capitalization level of 10.71%, which is above average.