Harford Bank

Harford Bank is headquartered in Aberdeen and is the 37^th largest bank in the state of Maryland. It is also the 2,247^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 69 employees at 8 locations. Harford Bank has a 4-star health rating.

Harford Bank Routing Number: 055001070

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Data for Q1 2012

Institution Statistics Harford Bank FDIC Certificate # 19101 BankRate Report View Year Established 1964 Employees 69 Primary Regulator FDIC Assets and Liabilities Assets $290.45 million Loans $213.09 million Deposits $233.43 million Equity Capital $27.77 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $4.48 million Real Estate Owned $930,000 Historic Data - March 2011 Assets $277.57 million Equity Capital $26.20 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $1.81 million Real Estate Owned $2.40 million Profit Margin - Quarterly Net Interest Margin 4.47% Return on Assets 0.55% Return on Equity 5.74% Interest Income $3.48 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 Harford Bank had $5.41 million in non-current loans and owned real-estate with $30.08 million in equity and loan loss allowances on hand to cover it. This gives Harford Bank a Texas Ratio of 18.00% 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 Harford Bank held steady from 14.82% as of March 31, 2011 to 18.00% as of March 31, 2012, resulting in a negative change of 21.42%. This indicates that the balance sheet and financial strength for Harford Bank has held steady in recent periods. Deposit Growth In the past year, Harford Bank has increased its total deposits by $11.3 million, resulting in 5.09% 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 Harford 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. Harford Bank has $290.45 million in assets with $30.08 million in equity, resulting in a capitalization level of 10.35%, which is above average.

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