BankAnnapolis

1000 Bestgate Road
Annapolis, MD 21401
800-582-2651
www.bankannapolis.com

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BankAnnapolis is headquartered in Annapolis and is the 18^st largest bank in the state of Maryland. It is also the 1,492^nd largest bank in the nation. It was established in 1990 and as of December of 2011, it had grown to 96 employees at 7 locations. BankAnnapolis has a 4-star health rating.

BankAnnapolis Routing Number: 055002480

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See Rates for: Checking | Savings | Money Market | CD | IRA

BankAnnapolis Checking Account Rates

Apy	Min	Max	Product
0.20%	$1,500	-	Small Business Checking
0.10%	-	-	Lion's Gold Choice Plus Checking
0.05%	-	-	Lion's Choice Plus Checking
0.05%	-	-	Lion's Golden Choice Checking
0.05%	$5k	-	Premier Program for Seniors Checking

BankAnnapolis Savings Account Rates

Apy	Min	Max	Product
0.35%	$20k	-	Regular Savings Account
0.32%	-	-	Superior Savings Account
0.32%	-	-	Superior Savings IRA Account
0.30%	$25k	-	Lion's Share Money Fund
0.30%	$50k	-	Business Lion's Share Money Fund
0.20%	$100	-	Business Savings Account

BankAnnapolis Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	-	Money Market Account
0.25%	$25k	-	Superior Business Money Market

BankAnnapolis CD Rates

Apy	Min	Max	Product
1.55%	$10k	-	60 Month Premium CD
1.30%	$1k	-	60 Month CD
1.30%	$1k	-	60 Month Business CD
1.15%	$10k	-	48–60 Month Premium CD
0.90%	$1k	-	48–59 Month CD
0.90%	$10k	-	36–47 Month Premium CD
0.90%	$1k	-	48-59 Month Business CD
0.80%	$75k	-	3 Year Jumbo CD
0.80%	$75k	-	3 Year CDARS
0.65%	$1k	-	36–47 Month CD
0.65%	$10k	-	24–35 Month Premium CD
0.65%	$1k	-	36-47 Month Business CD
0.55%	$75k	-	2 Year Jumbo CD
0.55%	$75k	-	2 Year CDARS
0.50%	$10k	-	18 Month Premium CD
0.40%	$1k	-	24–30 Month CD
0.40%	$1k	-	31–35 Month CD
0.40%	$1k	-	24-30 Month Business CD
0.40%	$1k	-	31-35 Month Business CD
0.35%	$10k	-	12–23 Month Premium CD
0.25%	$75k	-	13 Week Jumbo CD
0.25%	$75k	-	26 Week Jumbo CD
0.25%	$75k	-	52 Week Jumbo CD
0.25%	$75k	-	13 Week CDARS
0.25%	$75k	-	26 Week CDARS
0.25%	$75k	-	52 Week CDARS
0.10%	$1k	-	90–179 Day CD
0.10%	$1k	-	180–364 Day CD
0.10%	$1k	-	12–23 Month CD
0.10%	$1k	-	Fit 18 Month CD
0.10%	$1k	-	90-179 Day Business CD
0.10%	$1k	-	180-364 Day Business CD
0.10%	$1k	-	12-23 Month Business CD
0.10%	$1k	-	Fit 18 Month Business CD

BankAnnapolis IRA Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month Fixed IRA
1.55%	$500	-	60 Month Fixed Roth IRA
1.15%	$500	-	48 Month Fixed IRA
1.15%	$500	-	48 Month Fixed Roth IRA
0.90%	$500	-	36 Month Fixed IRA
0.90%	$500	-	36 Month Fixed Roth IRA
0.65%	$500	-	24 Month Fixed IRA
0.65%	$500	-	24 Month Fixed Roth IRA
0.50%	$10k	-	18 Month Fixed IRA
0.50%	$10k	-	18 Month Fixed Roth IRA
0.35%	$500	-	12 Month Fixed IRA
0.35%	$500	-	12 Month Fixed Roth IRA
0.10%	$500	-	18 Month FIT IRA
0.10%	$500	-	18 Month FIT Roth IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BankAnnapolis
FDIC Certificate #	32740
BankRate Report	View
Year Established	1990
Employees	96
Primary Regulator	FED
Assets and Liabilities
Assets	$441.52 million
Loans	$283.28 million
Deposits	$350.75 million
Equity Capital	$42.01 million
Loan Loss Allowance	$7.18 million
Unbacked Noncurrent Loans	$6.00 million
Real Estate Owned	$1.22 million
Historic Data - December 2010
Assets	$432.13 million
Equity Capital	$39.51 million
Loan Loss Allowance	$6.85 million
Unbacked Noncurrent Loans	$8.21 million
Real Estate Owned	$1.61 million
Profit Margin - Quarterly
Net Interest Margin	4.05%
Return on Assets	0.55%
Return on Equity	5.88%
Interest Income	$19.86 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 BankAnnapolis had $7.23 million in non-current loans and owned real-estate with $49.19 million in equity and loan loss allowances on hand to cover it. This gives BankAnnapolis a Texas Ratio of 14.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for BankAnnapolis decreased slightly from 21.18% as of December 31, 2010 to 14.69% as of December 31, 2011, resulting in a positive change of 30.64%.This indicates that the balance sheet and financial strength for BankAnnapolis has improved slightly in recent periods.
Deposit Growth
In the past year, BankAnnapolis has increased its total deposits by $9.56 million, resulting in 2.8% 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 BankAnnapolis has shown is above 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. BankAnnapolis has $441.52 million in assets with $49.19 million in equity, resulting in a capitalization level of 11.14%, which is above average.

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