Arundel Federal Savings Bank

Arundel Federal Savings Bank is headquartered in Glen Burnie and is the 14^st largest bank in the state of Maryland. It is also the 1,360^th largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 72 employees at 7 locations. Arundel Federal Savings Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Arundel Federal Savings Bank Routing Number: 252070299

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Data for Q4 2011

Institution Statistics Arundel Federal Savings Bank OTS # 02349 FDIC Certificate # 28780 BankRate Report View Year Established 1906 Employees 72 Primary Regulator OCC Assets and Liabilities Assets $490.78 million Loans $279.44 million Deposits $428.06 million Equity Capital $55.37 million Loan Loss Allowance $516,000 Unbacked Noncurrent Loans $2.30 million Historic Data - December 2010 Assets $492.35 million Equity Capital $52.55 million Loan Loss Allowance $477,000 Unbacked Noncurrent Loans $1.22 million Profit Margin - Quarterly Net Interest Margin 2.7% Return on Assets 0.57% Return on Equity 5.22% Interest Income $20.67 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 December 31, 2011 Arundel Federal Savings Bank had $2.3 million in non-current loans and owned real-estate with $55.89 million in equity and loan loss allowances on hand to cover it. This gives Arundel Federal Savings Bank a Texas Ratio of 4.12% 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 Arundel Federal Savings Bank held steady from 2.31% as of December 31, 2010 to 4.12% as of December 31, 2011, resulting in a negative change of 78.43%. This indicates that the balance sheet and financial strength for Arundel Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Arundel Federal Savings Bank has decreased its total deposits by -$4.6 million, resulting in -1.06% 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 Arundel Federal Savings Bank 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. Arundel Federal Savings Bank has $490.78 million in assets with $55.89 million in equity, resulting in a capitalization level of 11.39%, which is above average.

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