Legg Mason Investment Counsel & Trust Company, National Association

Legg Mason Investment Counsel & Trust Company, National Association is headquartered in Baltimore and is the 76^th largest bank in the state of Maryland. It is also the 5,667^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 108 employees at 1 location. Legg Mason Investment Counsel & Trust Company, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Legg Mason Investment Counsel & Trust Company, National Association FDIC Certificate # 33785 BankRate Report View Year Established 1993 Employees 108 Primary Regulator OCC Assets and Liabilities Assets $73.78 million Deposits $501,000 Equity Capital $63.19 million Historic Data - March 2011 Assets $72.71 million Equity Capital $61.88 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 4.49% Return on Equity 5.13% Interest Income $97,000

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 Legg Mason Investment Counsel & Trust Company, National Association had $0 in non-current loans and owned real-estate with $63.19 million in equity and loan loss allowances on hand to cover it. This gives Legg Mason Investment Counsel & Trust Company, National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Legg Mason Investment Counsel & Trust Company, National Association has decreased its total deposits by $-2,000, resulting in -0.4% 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 Legg Mason Investment Counsel & Trust Company, National Association has shown is 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. Legg Mason Investment Counsel & Trust Company, National Association has $73.78 million in assets with $63.19 million in equity, resulting in a capitalization level of 85.65%, which is excellent.

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