Hamilton Federal Bank

Hamilton Federal Bank is headquartered in Baltimore and is the 32^nd largest bank in the state of Maryland. It is also the 2,045^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 51 employees at 6 locations. Hamilton Federal Bank has a 3-star health rating.

Hamilton Federal Bank Routing Number: 252070891

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Data for Q1 2012

Institution Statistics Hamilton Bank OTS # 01904 FDIC Certificate # 28589 BankRate Report View Year Established 1915 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $318.67 million Loans $170.07 million Deposits $282.00 million Equity Capital $35.07 million Loan Loss Allowance $3.35 million Unbacked Noncurrent Loans $7.37 million Real Estate Owned $756,000 Historic Data - March 2011 Assets $335.69 million Equity Capital $34.30 million Loan Loss Allowance $819,000 Unbacked Noncurrent Loans $1.62 million Profit Margin - Quarterly Net Interest Margin 2.86% Return on Assets -1.26% Return on Equity -11.28% Interest Income $2.98 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 Hamilton Federal Bank had $8.13 million in non-current loans and owned real-estate with $38.42 million in equity and loan loss allowances on hand to cover it. This gives Hamilton Federal Bank a Texas Ratio of 21.15% 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 Hamilton Federal Bank increased slightly from 4.62% as of March 31, 2011 to 21.15% as of March 31, 2012, resulting in a negative change of 357.68%. This indicates that the balance sheet and financial strength for Hamilton Federal Bank has declined slightly in recent periods. Deposit Growth In the past year, Hamilton Federal Bank has decreased its total deposits by -$17.81 million, resulting in -5.94% 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 Hamilton Federal Bank 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. Hamilton Federal Bank has $318.67 million in assets with $38.42 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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