Madison Bank of Maryland

Madison Bank of Maryland is headquartered in Forest Hill and is the 65^th largest bank in the state of Maryland. It is also the 3,913^st largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 43 employees at 5 locations. Madison Bank of Maryland has a 2-star health rating.

Madison Bank of Maryland Routing Number: 252071214

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Data for Q1 2012

Institution Statistics Madison Bank of Maryland OTS # 08152 FDIC Certificate # 32331 BankRate Report View Year Established 1904 Employees 43 Primary Regulator OCC Assets and Liabilities Assets $147.69 million Loans $114.16 million Deposits $115.55 million Equity Capital $19.59 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $10.51 million Real Estate Owned $1.40 million Historic Data - March 2011 Assets $156.94 million Equity Capital $19.21 million Loan Loss Allowance $1.39 million Unbacked Noncurrent Loans $3.63 million Real Estate Owned $181,000 Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets -0.04% Return on Equity -0.29% Interest Income $1.51 million

Institution Health Overall Score: 2 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 Madison Bank of Maryland had $11.9 million in non-current loans and owned real-estate with $21.96 million in equity and loan loss allowances on hand to cover it. This gives Madison Bank of Maryland a Texas Ratio of 54.20% 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 Madison Bank of Maryland increased slightly from 18.51% as of March 31, 2011 to 54.20% as of March 31, 2012, resulting in a negative change of 192.74%. This indicates that the balance sheet and financial strength for Madison Bank of Maryland has declined slightly in recent periods. Deposit Growth In the past year, Madison Bank of Maryland has decreased its total deposits by -$9.5 million, resulting in -7.6% 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 Madison Bank of Maryland 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. Madison Bank of Maryland has $147.69 million in assets with $21.96 million in equity, resulting in a capitalization level of 14.87%, which is excellent.

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