Middletown Valley Bank

Middletown Valley Bank is headquartered in Middletown and is the 64^th largest bank in the state of Maryland. It is also the 3,892^nd largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 34 employees at 5 locations. Middletown Valley Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

Middletown Valley Bank Routing Number: 055001258

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Data for Q1 2012

Institution Statistics Middletown Valley Bank FDIC Certificate # 14017 BankRate Report View Year Established 1908 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $148.86 million Loans $65.68 million Deposits $130.33 million Equity Capital $18.31 million Loan Loss Allowance $1.95 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $745,000 Historic Data - March 2011 Assets $146.26 million Equity Capital $17.16 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $1.65 million Real Estate Owned $540,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.62% Return on Equity 4.96% Interest Income $1.36 million

Institution Health Overall Score: 4 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 Middletown Valley Bank had $3.51 million in non-current loans and owned real-estate with $20.27 million in equity and loan loss allowances on hand to cover it. This gives Middletown Valley Bank a Texas Ratio of 17.30% 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 Middletown Valley Bank increased slightly from 11.33% as of March 31, 2011 to 17.30% as of March 31, 2012, resulting in a negative change of 52.73%. This indicates that the balance sheet and financial strength for Middletown Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Middletown Valley Bank has increased its total deposits by $1.45 million, resulting in 1.13% 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 Middletown Valley Bank has shown is above 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. Middletown Valley Bank has $148.86 million in assets with $20.27 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

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