The Bank of East Asia (USA), National Association

The Bank of East Asia (USA), National Association is headquartered in New York and is the 52^nd largest bank in the state of New York. It is also the 870^th largest bank in the nation. It was established in 1983 and as of March of 2013, it had grown to 201 employees at 13 locations. The Bank of East Asia (USA), National Association has a 4-star health rating.

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Data for Q1 2013

Institution Statistics Industrial and Commercial Bank of China (USA), National Association FDIC Certificate # 24387 BankRate Report View Year Established 1983 Employees 201 Primary Regulator OCC Assets and Liabilities Assets $772.07 million Loans $619.94 million Deposits $577.46 million Equity Capital $170.05 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $25.72 million Historic Data - March 2012 Assets $766.31 million Equity Capital $137.29 million Loan Loss Allowance $7.28 million Unbacked Noncurrent Loans $13.02 million Real Estate Owned $1.49 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.33% Return on Equity 1.5% Interest Income $8.15 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, 2013 The Bank of East Asia (USA), National Association had $25.72 million in non-current loans and owned real-estate with $172.33 million in equity and loan loss allowances on hand to cover it. This gives The Bank of East Asia (USA), National Association a Texas Ratio of 14.93% 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 The Bank of East Asia (USA), National Association held steady from 10.04% as of March 31, 2012 to 14.93% as of March 31, 2013, resulting in a negative change of 48.72%. This indicates that the balance sheet and financial strength for The Bank of East Asia (USA), National Association has held steady in recent periods. Deposit Growth In the past year, The Bank of East Asia (USA), National Association has decreased its total deposits by -$30.29 million, resulting in -4.98% 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 The Bank of East Asia (USA), National Association has shown is below 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. The Bank of East Asia (USA), National Association has $772.06 million in assets with $172.33 million in equity, resulting in a capitalization level of 22.32%, which is excellent.

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