The National Bank of Coxsackie

The National Bank of Coxsackie is headquartered in Coxsackie and is the 123^rd largest bank in the state of New York. It is also the 2,911^st largest bank in the nation. It was established in 1852 and as of March of 2012, it had grown to 56 employees at 6 locations. The National Bank of Coxsackie's savings rates are 3X the national average, and it boasts a 5-star health rating.

The National Bank of Coxsackie Checking Account Rates

The National Bank of Coxsackie Savings Account Rates

The National Bank of Coxsackie Money Market Rates

The National Bank of Coxsackie CD Rates

Data for Q1 2012

Institution Statistics The National Bank of Coxsackie FDIC Certificate # 7018 BankRate Report View Year Established 1852 Employees 56 Primary Regulator OCC Assets and Liabilities Assets $219.01 million Loans $112.02 million Deposits $195.32 million Equity Capital $23.48 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $76,000 Historic Data - March 2011 Assets $197.90 million Equity Capital $22.83 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $213,000 Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.77% Return on Equity 7.06% Interest Income $1.96 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 The National Bank of Coxsackie had $1.96 million in non-current loans and owned real-estate with $24.92 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Coxsackie a Texas Ratio of 7.85% 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 The National Bank of Coxsackie held steady from 5.99% as of March 31, 2011 to 7.85% as of March 31, 2012, resulting in a negative change of 31.17%. This indicates that the balance sheet and financial strength for The National Bank of Coxsackie has held steady in recent periods. Deposit Growth In the past year, The National Bank of Coxsackie has increased its total deposits by $20.56 million, resulting in 11.77% 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 National Bank of Coxsackie 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. The National Bank of Coxsackie has $219.01 million in assets with $24.92 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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