Fraternity Federal Savings and Loan Association

Fraternity Federal Savings and Loan Association is headquartered in Baltimore and is the 56^th largest bank in the state of Maryland. It is also the 3,469^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 31 employees at 4 locations. Fraternity Federal Savings and Loan Association's savings rates are 92% higher than the national average, and it has a 3-star health rating.

Fraternity Federal Savings and Loan Association Checking Account Rates

Fraternity Federal Savings and Loan Association Savings Account Rates

Fraternity Federal Savings and Loan Association CD Rates

Fraternity Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Fraternity Federal Savings and Loan Association OTS # 01292 FDIC Certificate # 28283 BankRate Report View Year Established 1913 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $174.57 million Loans $113.37 million Deposits $127.39 million Equity Capital $23.89 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $3.90 million Historic Data - March 2011 Assets $182.12 million Equity Capital $23.44 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $3.33 million Real Estate Owned $2.16 million Profit Margin - Quarterly Net Interest Margin 2.72% Return on Assets 0.13% Return on Equity 0.96% Interest Income $1.76 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 March 31, 2012 Fraternity Federal Savings and Loan Association had $3.9 million in non-current loans and owned real-estate with $25.14 million in equity and loan loss allowances on hand to cover it. This gives Fraternity Federal Savings and Loan Association a Texas Ratio of 15.50% 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 Fraternity Federal Savings and Loan Association decreased slightly from 22.15% as of March 31, 2011 to 15.50% as of March 31, 2012, resulting in a positive change of 30.02%.This indicates that the balance sheet and financial strength for Fraternity Federal Savings and Loan Association has improved slightly in recent periods. Deposit Growth In the past year, Fraternity Federal Savings and Loan Association has decreased its total deposits by -$8.33 million, resulting in -6.14% 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 Fraternity Federal Savings and Loan Association 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. Fraternity Federal Savings and Loan Association has $174.57 million in assets with $25.14 million in equity, resulting in a capitalization level of 14.40%, which is excellent.

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