Safra National Bank

Safra National Bank is headquartered in New York and is the 17^st largest bank in the state of New York. It is also the 159^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 170 employees at 2 locations. Safra National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Safra National Bank of New York FDIC Certificate # 26876 BankRate Report View Year Established 1987 Employees 170 Primary Regulator OCC Assets and Liabilities Assets $5.61 billion Loans $2.04 billion Deposits $4.97 billion Equity Capital $507.77 million Loan Loss Allowance $23.66 million Unbacked Noncurrent Loans $730,000 Historic Data - March 2011 Assets $3.95 billion Equity Capital $499.95 million Loan Loss Allowance $23.12 million Unbacked Noncurrent Loans $1.11 million Profit Margin - Quarterly Net Interest Margin 1.92% Return on Assets 0.85% Return on Equity 8.88% Interest Income $30.40 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 March 31, 2012 Safra National Bank had $730,000 in non-current loans and owned real-estate with $531.43 million in equity and loan loss allowances on hand to cover it. This gives Safra National Bank a Texas Ratio of 0.14% 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 Safra National Bank decreased slightly from 0.21% as of March 31, 2011 to 0.14% as of March 31, 2012, resulting in a positive change of 35.39%.This indicates that the balance sheet and financial strength for Safra National Bank has improved slightly in recent periods. Deposit Growth In the past year, Safra National Bank has increased its total deposits by $1.69 billion, resulting in 51.45% 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 Safra National 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. Safra National Bank has $5.61 billion in assets with $531.43 million in equity, resulting in a capitalization level of 9.48%, which is average.

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