Howard Bank

Howard Bank is headquartered in Ellicott City and is the 29^th largest bank in the state of Maryland. It is also the 1,892^nd largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 61 employees at 6 locations. Howard Bank has a 5-star health rating.

Howard Bank Routing Number: 055003434

Data for Q1 2012

Institution Statistics Howard Bank FDIC Certificate # 57776 BankRate Report View Year Established 2004 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $347.77 million Loans $277.14 million Deposits $286.60 million Equity Capital $35.59 million Loan Loss Allowance $3.52 million Unbacked Noncurrent Loans $3.73 million Real Estate Owned $1.44 million Historic Data - March 2011 Assets $305.34 million Equity Capital $28.97 million Loan Loss Allowance $3.81 million Unbacked Noncurrent Loans $2.21 million Real Estate Owned $4.64 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 0.55% Return on Equity 5.19% Interest Income $3.81 million

Institution Health Overall Score: 5 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 Howard Bank had $5.17 million in non-current loans and owned real-estate with $39.12 million in equity and loan loss allowances on hand to cover it. This gives Howard Bank a Texas Ratio of 13.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Howard Bank decreased slightly from 16.98% as of March 31, 2011 to 13.21% as of March 31, 2012, resulting in a positive change of 22.18%.This indicates that the balance sheet and financial strength for Howard Bank has improved slightly in recent periods. Deposit Growth In the past year, Howard Bank has increased its total deposits by $42.73 million, resulting in 17.52% 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 Howard 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. Howard Bank has $347.77 million in assets with $39.12 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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