Interaudi Bank

Interaudi Bank is headquartered in New York and is the 39^th largest bank in the state of New York. It is also the 521^st largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 87 employees at 2 locations. Interaudi Bank has a 4-star health rating.

Interaudi Bank Routing Number: 026006237

Data for Q1 2012

Institution Statistics Interaudi Bank FDIC Certificate # 24516 BankRate Report View Year Established 1983 Employees 87 Primary Regulator FDIC Assets and Liabilities Assets $1.29 billion Loans $455.61 million Deposits $1.02 billion Equity Capital $101.76 million Loan Loss Allowance $3.35 million Unbacked Noncurrent Loans $2.82 million Real Estate Owned $3.04 million Historic Data - March 2011 Assets $1.29 billion Equity Capital $105.37 million Loan Loss Allowance $3.34 million Unbacked Noncurrent Loans $5.42 million Profit Margin - Quarterly Net Interest Margin 1.84% Return on Assets 0.42% Return on Equity 5.32% Interest Income $8.20 million

Institution Health Overall Score: 4 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 Interaudi Bank had $5.86 million in non-current loans and owned real-estate with $105.1 million in equity and loan loss allowances on hand to cover it. This gives Interaudi Bank a Texas Ratio of 5.58% 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 Interaudi Bank held steady from 4.98% as of March 31, 2011 to 5.58% as of March 31, 2012, resulting in a negative change of 11.91%. This indicates that the balance sheet and financial strength for Interaudi Bank has held steady in recent periods. Deposit Growth In the past year, Interaudi Bank has increased its total deposits by $8.36 million, resulting in 0.82% 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 Interaudi Bank has shown is average. 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. Interaudi Bank has $1.29 billion in assets with $105.1 million in equity, resulting in a capitalization level of 8.16%, which is average.

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