Israel Discount Bank of New York

Israel Discount Bank of New York is headquartered in New York and is the 10^st largest bank in the state of New York. It is also the 112^st largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 740 employees at 6 locations. Israel Discount Bank of New York has a 4-star health rating.

Data for Q1 2012

Institution Statistics Israel Discount Bank of New York FDIC Certificate # 19977 BankRate Report View Year Established 1922 Employees 740 Primary Regulator FDIC Assets and Liabilities Assets $9.55 billion Loans $3.71 billion Deposits $6.42 billion Equity Capital $691.25 million Loan Loss Allowance $75.00 million Unbacked Noncurrent Loans $62.89 million Historic Data - March 2011 Assets $9.11 billion Equity Capital $773.84 million Loan Loss Allowance $59.22 million Unbacked Noncurrent Loans $54.77 million Real Estate Owned $5.38 million Profit Margin - Quarterly Net Interest Margin 1.96% Return on Assets 0.3% Return on Equity 4.18% Interest Income $73.68 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 Israel Discount Bank of New York had $62.89 million in non-current loans and owned real-estate with $766.25 million in equity and loan loss allowances on hand to cover it. This gives Israel Discount Bank of New York a Texas Ratio of 8.21% 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 Israel Discount Bank of New York held steady from 7.22% as of March 31, 2011 to 8.21% as of March 31, 2012, resulting in a negative change of 13.67%. This indicates that the balance sheet and financial strength for Israel Discount Bank of New York has held steady in recent periods. Deposit Growth In the past year, Israel Discount Bank of New York has increased its total deposits by $444.74 million, resulting in 7.45% 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 Israel Discount 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. Israel Discount Bank of New York has $9.55 billion in assets with $766.25 million in equity, resulting in a capitalization level of 8.03%, which is average.

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