Kosciuszko Federal Savings Bank

Kosciuszko Federal Savings Bank is headquartered in Baltimore and is the 84^th largest bank in the state of Maryland. It is also the 7,258^th largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 3 employees at 1 location. Kosciuszko Federal Savings Bank has a 3-star health rating.

Kosciuszko Federal Savings Bank Routing Number: 252071078

Data for Q1 2012

Institution Statistics Kosciuszko Federal Savings Bank OTS # 08231 FDIC Certificate # 32407 BankRate Report View Year Established 1894 Employees 3 Primary Regulator OCC Assets and Liabilities Assets $12.84 million Loans $10.50 million Deposits $10.39 million Equity Capital $2.42 million Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $995,000 Historic Data - March 2011 Assets $13.32 million Equity Capital $2.35 million Loan Loss Allowance $60,000 Unbacked Noncurrent Loans $175,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 0.31% Return on Equity 1.66% Interest Income $156,000

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 Kosciuszko Federal Savings Bank had $995,000 in non-current loans and owned real-estate with $2.48 million in equity and loan loss allowances on hand to cover it. This gives Kosciuszko Federal Savings Bank a Texas Ratio of 40.06% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kosciuszko Federal Savings Bank increased slightly from 7.26% as of March 31, 2011 to 40.06% as of March 31, 2012, resulting in a negative change of 451.86%. This indicates that the balance sheet and financial strength for Kosciuszko Federal Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Kosciuszko Federal Savings Bank has decreased its total deposits by $-545,000, resulting in -4.99% 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 Kosciuszko Federal Savings Bank has shown is below average. 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. Kosciuszko Federal Savings Bank has $12.84 million in assets with $2.48 million in equity, resulting in a capitalization level of 19.34%, which is excellent.

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