Habib American Bank in New York, New York (NY), CA, NJ
Overview, Financial Summary, Detailed Financial Reports, Branches


Habib American Bank - Overview

  • General
  • FDIC Certificate #: 25093
    Status: Active
    Federal Reserve ID: 245016
    Bank Holding Company (Regulatory Top Holder): Maham Beteiligungsgesellschaft Ag (RSSDID: 2817930, Location: Zurich)
    Date Established: April 16, 1984
    WWW: http://www.habibamericanbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: Yes)
    OTS Docket #: 11840
    FDIC's unique #: 17369
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: Yes
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 16, 1984
    Last Structure Change Effective Date: Febuary 15, 2012
    Last Structure Change Process Date: Febuary 15, 2012
    Last Data Update: Febuary 15, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 99 Madison Avenue, New York, NY 10016
    County: New York
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): New York, NY (#5600)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • Financial Summary
  • Total assets: $692.2 mil
    Equity capital: $68.6 mil
    Deposits held in domestic offices: $523.2 mil
    Return on assets (ROA): 0.82% ($5.7 mil)
    Quarterly return on assets: 0.47% ($3.3 mil)
    Return on Equity (ROE): 8.65% ($6.0 mil)
    Quarterly return on equity: 4.70% ($3.2 mil)
    Net income: $5.7 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.45% ($10,036.9 mil)
    Quarterly Pretax return on assets: 1.10% ($7,614.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 128Total employees (full-time equivalent)
  • $692,200Total assets
  • $184,546Cash and due from depository institutions
  • $176,276Interest-bearing balances
  • $26,738Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $466,808Net loans & leases
  • $7,155Loan loss allowance
  • $0Trading account assets
  • $3,728Bank premises and fixed assets
  • $0Other real estate owned
  • $2,597Goodwill and other intangibles
  • $692,200Life insurance assets
  • $7,783All other assets
  • $623,569Total liabilities and capital
  • $613,842Total liabilities
  • $470,753Total deposits
  • $523,169Interest-bearing deposits
  • $61Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $4,727Subordinated debt
  • $68,631All other liabilities
  • $68,631Total equity capital
  • $68,631Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $1,000Surplus
  • $62,631Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,819Income earned, not collected on loans
  • $250Earning assets
  • $1,382Long-term assets (5+ years)
  • $669,822Average Assets, year-to-date
  • $21,057Average Assets, quarterly
  • $696,188Volatile liabilities
  • $680,843Insider loans
  • $453,032FHLB advances
  • $725,487Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $66,034Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,597Restructured Loans and leases
  • $0Derivatives
  • $57,804Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,062Total interest income
  • $6,330Total interest expense
  • $18,732Net interest income
  • $3,550Provision for loan and lease losses
  • $14,571Total noninterest income
  • $0Fiduciary activities
  • $1,031Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,540Additional noninterest income
  • $19,689Total noninterest expense
  • $9,762Salaries and employee benefits
  • $4,715Premises and equipment expense
  • $5,212Additional noninterest expense
  • $10,064Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,350Applicable income taxes
  • $5,714Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,714Net income attributable to bank
  • $0Net charge-offs
  • $5,714Cash dividends
  • $2,570Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.72%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 2.78%Net interest margin
  • 2.16%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 8.65%Return on equity (ROE)
  • 8.65%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 138.13%Credit loss provision to net charge-offs
  • 5.30%Efficiency ratio
  • 59,121Assets per employee
  • 5.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 60.54%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 76.05%Net loans and leases to core deposits
  • 117.56%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 14.58%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $696,188Average earning assets
  • $66,021Average equity
  • $673,727Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    247746Los Angeles Branch110 East Ninth Street, Al-10, Los Angeles, CA 90079July 18, 1990Full Service Brick and Mortar
    3365767Artesia Branch18357 Pioneer Boulevard, Artesia, CA 90701December 26, 2002Full Service Brick and Mortar
  • 1 New Jersey Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4424640Iselin Branch1585 Oak Tree Road, Iselin, NJ 8830December 23, 2003Full Service Brick and Mortar
  • 4 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017369Habib American Bank99 Madison Avenue, New York, NY 10016April 16, 1984Full Service Brick and Mortar
    1257853Jackson Heights Branch74-05/07 37th Avenue, Jackson Heights, NY 11372March 16, 1988Full Service Brick and Mortar
    5478968Hicksville Branch421 South Broadway, Hicksville, NY 11801November 16, 2007Full Service Brick and Mortar
    6526492Richmond Hill112-17/19 Liberty Avenue, South Richmond Hill, NY 11419October 30, 2011Full Service Brick and Mortar

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