Habib American Bank

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

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Habib American Bank is headquartered in New York and is the 67^th largest bank in the state of New York. It is also the 983^rd largest bank in the nation. It was established in 1984 and as of September of 2011, it had grown to 122 employees at 6 locations. Habib American Bank's money market rates are 48% higher than the national average, and it has a 3-star health rating.

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

Top CD Rates Are Back at Habib American Bank in CA, NY & NJ - Local Only - 1/11/2011

Habib American Bank is again offering several very competitive CD and IRA CD rates. The highest rates are currently available at the bank's California branches in Los Angeles and Artesia. These includ ...

Habib American Bank's Top CD & IRA CD Rates In CA, NY & NJ (Forum) - 8/17/2010

Habib American Bank has been offering very competitive CD and IRA CD rates since my first post on the bank in June. The best rates are in California (as of 8/17/2010): 3.00% APY 36-month CD (3.25% for IRA) 2.50% APY 24-month CD (2.75% for IRA) Rates

2010

6/15 - Top CD and IRA CD Rates at Habib American Bank in CA, NY & NJ - Local Only

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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
2.00%	$1,500	-	5 Year CD - Manhattan
2.00%	$1,500	-	5 Year CD - Queens & NJ & Hicksville
2.00%	$1,500	-	5 Year CD - California
1.75%	$1,500	-	4 Year CD - Manhattan
1.75%	$1,500	-	4 Year CD - Queens & NJ & Hicksville
1.65%	$1,500	-	4 Year CD - California
1.25%	$1,500	-	3 Year CD - Manhattan
1.25%	$1,500	-	3 Year CD - Queens & NJ & Hicksville
1.10%	$1,500	-	3 Year CD - California
1.05%	$1,500	-	2 Year CD - California
1.00%	$1,500	-	2 Year CD - Manhattan
1.00%	$1,500	-	2 Year CD - Queens & NJ & Hicksville
0.95%	$1,500	-	18 Month CD - Manhattan
0.95%	$1,500	-	18 Month CD - Queens & NJ & Hicksville
0.90%	$1,500	-	12 Month CD - California
0.90%	$1,500	-	18 Month CD - California
0.85%	$1,500	-	12 Month CD - Manhattan
0.85%	$1,500	-	12 Month CD - Queens & NJ & Hicksville
0.75%	$1,500	-	6 Month CD - Manhattan
0.75%	$1,500	-	6 Month CD - California
0.75%	$1,500	-	6 Month CD - Queens & NJ & Hicksville
0.35%	$1,500	-	3 Month CD - Manhattan
0.35%	$1,500	-	3 Month CD - Queens & NJ & Hicksville
0.30%	$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
2.00%	$1,500	-	5 Year IRA - Manhattan
2.00%	$1,500	-	5 Year IRA - Queens & NJ & Hicksville
2.00%	$1,500	-	5 Year IRA - California
1.75%	$1,500	-	4 Year IRA - Manhattan
1.75%	$1,500	-	4 Year IRA - Queens & NJ & Hicksville
1.65%	$1,500	-	4 Year IRA - California
1.25%	$1,500	-	3 Year IRA - Manhattan
1.25%	$1,500	-	3 Year IRA - Queens & NJ & Hicksville
1.10%	$1,500	-	3 Year IRA - California
1.05%	$1,500	-	2 Year IRA - California
1.00%	$1,500	-	2 Year IRA - Manhattan
1.00%	$1,500	-	2 Year IRA - Queens & NJ & Hicksville
0.95%	$1,500	-	18 Month IRA - Manhattan
0.95%	$1,500	-	18 Month IRA - Queens & NJ & Hicksville
0.90%	$1,500	-	12 Month IRA - California
0.90%	$1,500	-	18 Month IRA - California
0.85%	$1,500	-	12 Month IRA - Manhattan
0.85%	$1,500	-	12 Month IRA - Queens & NJ & Hicksville
0.75%	$1,500	-	6 Month IRA - Manhattan
0.75%	$1,500	-	6 Month IRA - Queens & NJ & Hicksville
0.75%	$1,500	-	6 Month IRA - California
0.35%	$1,500	-	3 Month IRA - Manhattan
0.35%	$1,500	-	3 Month IRA - Queens & NJ & Hicksville
0.30%	$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: 2/10/2012

Data for Q3 2011

Institution Statistics

Habib American Bank
FDIC Certificate #	25093
BankRate Report	View
Year Established	1984
Employees	122
Primary Regulator	FDIC
Assets and Liabilities
Assets	$669.49 million
Loans	$453.34 million
Deposits	$591.93 million
Equity Capital	$67.83 million
Loan Loss Allowance	$6.97 million
Unbacked Noncurrent Loans	$8.71 million
Historic Data - September 2010
Assets	$778.91 million
Equity Capital	$61.48 million
Loan Loss Allowance	$5.44 million
Unbacked Noncurrent Loans	$6.14 million
Profit Margin - Quarterly
Net Interest Margin	2.74%
Return on Assets	0.94%
Return on Equity	10.02%
Interest Income	$18.71 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 September 30, 2011 Habib American Bank had $8.71 million in non-current loans and owned real-estate with $74.8 million in equity and loan loss allowances on hand to cover it. This gives Habib American Bank a Texas Ratio of 11.65% 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 held steady from 8.81% as of September 30, 2010 to 11.65% as of September 30, 2011, resulting in a negative change of 32.29%. This indicates that the balance sheet and financial strength for Habib American Bank has held steady in recent periods.
Deposit Growth
In the past year, Habib American Bank has decreased its total deposits by -$120.28 million, resulting in -16.89% 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 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. Habib American Bank has $669.48 million in assets with $74.8 million in equity, resulting in a capitalization level of 11.17%, which is above average.