Advance Bank

Advance Bank is headquartered in Baltimore and is the 77^th largest bank in the state of Maryland. It is also the 5,882^nd largest bank in the nation. It was established in 1957 and as of December of 2011, it had grown to 24 employees at 4 locations. Advance Bank has a 3-star health rating.

Advance Bank Routing Number: 252070257

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Data for Q4 2011

Institution Statistics Advance Bank OTS # 06824 FDIC Certificate # 31372 BankRate Report View Year Established 1957 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $66.87 million Loans $53.27 million Deposits $54.46 million Equity Capital $6.90 million Loan Loss Allowance $890,000 Unbacked Noncurrent Loans $2.29 million Real Estate Owned $558,000 Historic Data - December 2010 Assets $76.35 million Equity Capital $7.69 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $3.73 million Real Estate Owned $714,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets -1.16% Return on Equity -11.51% Interest Income $3.54 million

Institution Health Overall Score: 3 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 December 31, 2011 Advance Bank had $2.84 million in non-current loans and owned real-estate with $7.78 million in equity and loan loss allowances on hand to cover it. This gives Advance Bank a Texas Ratio of 36.54% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Advance Bank decreased slightly from 53.05% as of December 31, 2010 to 36.54% as of December 31, 2011, resulting in a positive change of 31.12%.This indicates that the balance sheet and financial strength for Advance Bank has improved slightly in recent periods. Deposit Growth In the past year, Advance Bank has decreased its total deposits by -$8.92 million, resulting in -14.08% 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 Advance Bank has shown is poor. 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. Advance Bank has $66.87 million in assets with $7.78 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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