EagleBank

EagleBank is headquartered in Bethesda and is the 2^nd largest bank in the state of Maryland. It is also the 253^rd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 354 employees at 14 locations. EagleBank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics EagleBank FDIC Certificate # 34742 BankRate Report View Year Established 1998 Employees 354 Primary Regulator FED Assets and Liabilities Assets $2.80 billion Loans $2.24 billion Deposits $2.38 billion Equity Capital $264.62 million Loan Loss Allowance $31.79 million Unbacked Noncurrent Loans $36.64 million Real Estate Owned $3.01 million Historic Data - March 2011 Assets $2.17 billion Equity Capital $198.10 million Loan Loss Allowance $25.55 million Unbacked Noncurrent Loans $32.80 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.13% Return on Equity 12.17% Interest Income $32.46 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 March 31, 2012 EagleBank had $39.65 million in non-current loans and owned real-estate with $296.41 million in equity and loan loss allowances on hand to cover it. This gives EagleBank a Texas Ratio of 13.38% 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 EagleBank held steady from 14.80% as of March 31, 2011 to 13.38% as of March 31, 2012, resulting in a positive change of 9.61%.This indicates that the balance sheet and financial strength for EagleBank has held steady in recent periods. Deposit Growth In the past year, EagleBank has increased its total deposits by $543.25 million, resulting in 29.65% 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 EagleBank 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. EagleBank has $2.8 billion in assets with $296.41 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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