Hopkins Federal Savings Bank

Hopkins Federal Savings Bank is headquartered in Baltimore and is the 30^th largest bank in the state of Maryland. It is also the 1,930^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 25 employees at 2 locations. Hopkins Federal Savings Bank's savings rates are 35% higher than the national average, and it has a 3-star health rating.

Hopkins Federal Savings Bank Routing Number: 252070985

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Data for Q1 2012

Institution Statistics Hopkins Federal Savings Bank OTS # 08196 FDIC Certificate # 32372 BankRate Report View Year Established 1921 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $340.70 million Loans $90.34 million Deposits $310.34 million Equity Capital $30.04 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $6.10 million Real Estate Owned $868,000 Historic Data - March 2011 Assets $361.64 million Equity Capital $30.63 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $10.17 million Real Estate Owned $150,000 Profit Margin - Quarterly Net Interest Margin 1.77% Return on Assets 0.62% Return on Equity 7.16% Interest Income $2.66 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 Hopkins Federal Savings Bank had $6.96 million in non-current loans and owned real-estate with $31.55 million in equity and loan loss allowances on hand to cover it. This gives Hopkins Federal Savings Bank a Texas Ratio of 22.07% 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 Hopkins Federal Savings Bank decreased slightly from 31.54% as of March 31, 2011 to 22.07% as of March 31, 2012, resulting in a positive change of 30.01%.This indicates that the balance sheet and financial strength for Hopkins Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Hopkins Federal Savings Bank has decreased its total deposits by -$20.33 million, resulting in -6.15% 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 Hopkins Federal Savings 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. Hopkins Federal Savings Bank has $340.7 million in assets with $31.55 million in equity, resulting in a capitalization level of 9.26%, which is average.

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