Patriot Federal Bank

Patriot Federal Bank is headquartered in Canajoharie and is the 155^th largest bank in the state of New York. It is also the 4,883^rd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 19 employees at 2 locations. Patriot Federal Bank has a 3-star health rating.

Patriot Federal Bank Routing Number: 021373059

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Data for Q1 2012

Institution Statistics Patriot Federal Bank OTS # 17992 FDIC Certificate # 58077 BankRate Report View Year Established 2005 Employees 19 Primary Regulator OCC Assets and Liabilities Assets $102.67 million Loans $59.59 million Deposits $84.95 million Equity Capital $8.87 million Loan Loss Allowance $911,000 Unbacked Noncurrent Loans $1.22 million Real Estate Owned $938,000 Historic Data - March 2011 Assets $91.19 million Equity Capital $7.94 million Loan Loss Allowance $939,000 Unbacked Noncurrent Loans $1.02 million Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.37% Return on Equity 4.15% Interest Income $1.08 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 March 31, 2012 Patriot Federal Bank had $2.16 million in non-current loans and owned real-estate with $9.78 million in equity and loan loss allowances on hand to cover it. This gives Patriot Federal Bank a Texas Ratio of 22.09% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Patriot Federal Bank increased slightly from 11.43% as of March 31, 2011 to 22.09% as of March 31, 2012, resulting in a negative change of 93.36%. This indicates that the balance sheet and financial strength for Patriot Federal Bank has declined slightly in recent periods. Deposit Growth In the past year, Patriot Federal Bank has increased its total deposits by $10.34 million, resulting in 13.86% 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 Patriot Federal 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. Patriot Federal Bank has $102.66 million in assets with $9.78 million in equity, resulting in a capitalization level of 9.53%, which is average.

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