Midstate Federal Savings and Loan Association

Midstate Federal Savings and Loan Association is headquartered in Baltimore and is the 53^rd largest bank in the state of Maryland. It is also the 3,305^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 12 employees at 1 location. Midstate Federal Savings and Loan Association's money market rates are 2X the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Midstate Federal Savings and Loan Association OTS # 04364 FDIC Certificate # 29930 BankRate Report View Year Established 1884 Employees 12 Primary Regulator OCC Assets and Liabilities Assets $185.72 million Loans $112.34 million Deposits $163.35 million Equity Capital $20.54 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $6.68 million Real Estate Owned $5.45 million Historic Data - March 2011 Assets $172.83 million Equity Capital $19.97 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $7.79 million Real Estate Owned $4.41 million Profit Margin - Quarterly Net Interest Margin 2.76% Return on Assets 0.47% Return on Equity 4.25% Interest Income $2.01 million

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 Midstate Federal Savings and Loan Association had $12.13 million in non-current loans and owned real-estate with $22.27 million in equity and loan loss allowances on hand to cover it. This gives Midstate Federal Savings and Loan Association a Texas Ratio of 54.47% 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 Midstate Federal Savings and Loan Association held steady from 57.36% as of March 31, 2011 to 54.47% as of March 31, 2012, resulting in a positive change of 5.03%.This indicates that the balance sheet and financial strength for Midstate Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Midstate Federal Savings and Loan Association has increased its total deposits by $11.06 million, resulting in 7.26% 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 Midstate Federal Savings and Loan Association 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. Midstate Federal Savings and Loan Association has $185.72 million in assets with $22.27 million in equity, resulting in a capitalization level of 11.99%, which is above average.

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