USNY Bank

USNY Bank is headquartered in Geneva and is the 151^st largest bank in the state of New York. It is also the 4,513^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 22 employees at 2 locations. USNY Bank has a 5-star health rating.

USNY Bank Routing Number: 022314334

Data for Q1 2012

Institution Statistics USNY Bank FDIC Certificate # 58541 BankRate Report View Year Established 2007 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $117.84 million Loans $102.35 million Deposits $106.53 million Equity Capital $11.09 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $55,000 Historic Data - March 2011 Assets $84.89 million Equity Capital $9.72 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $38,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 1.42% Return on Equity 14.84% Interest Income $1.54 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 USNY Bank had $55,000 in non-current loans and owned real-estate with $12.85 million in equity and loan loss allowances on hand to cover it. This gives USNY Bank a Texas Ratio of 0.43% 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 USNY Bank decreased significantly from (infinite) as of March 31, 2011 to 0.43% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for USNY Bank has improved significantly in recent periods. Deposit Growth In the past year, USNY Bank has increased its total deposits by $31.68 million, resulting in 42.32% 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 USNY 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. USNY Bank has $117.84 million in assets with $12.85 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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