Fairmount Bank

Fairmount Bank is headquartered in Baltimore and is the 72^nd largest bank in the state of Maryland. It is also the 5,481^st largest bank in the nation. It was established in 1879 and as of March of 2012, it had grown to 13 employees at 2 locations. Fairmount Bank has a 4-star health rating.

Fairmount Bank Routing Number: 252070684

Data for Q1 2012

Institution Statistics Fairmount Bank OTS # 08193 FDIC Certificate # 32369 BankRate Report View Year Established 1879 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $79.89 million Loans $54.30 million Deposits $58.65 million Equity Capital $10.83 million Loan Loss Allowance $657,000 Unbacked Noncurrent Loans $1.92 million Real Estate Owned $884,000 Historic Data - March 2011 Assets $72.71 million Equity Capital $9.23 million Loan Loss Allowance $372,000 Unbacked Noncurrent Loans $1.72 million Real Estate Owned $35,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.75% Return on Equity 5.54% Interest Income $975,000

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 Fairmount Bank had $2.8 million in non-current loans and owned real-estate with $11.49 million in equity and loan loss allowances on hand to cover it. This gives Fairmount Bank a Texas Ratio of 24.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fairmount Bank increased slightly from 18.23% as of March 31, 2011 to 24.36% as of March 31, 2012, resulting in a negative change of 33.63%. This indicates that the balance sheet and financial strength for Fairmount Bank has declined slightly in recent periods. Deposit Growth In the past year, Fairmount Bank has increased its total deposits by $6.08 million, resulting in 11.56% 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 Fairmount Bank 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. Fairmount Bank has $79.89 million in assets with $11.49 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

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