Old Line Bank

Old Line Bank is headquartered in Bowie and is the 8^th largest bank in the state of Maryland. It is also the 819^st largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 166 employees at 19 locations. Old Line Bank has a 4-star health rating.

Old Line Bank Routing Number: 055002406

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Data for Q1 2012

Institution Statistics Old Line Bank FDIC Certificate # 27599 BankRate Report View Year Established 1989 Employees 166 Primary Regulator FED Assets and Liabilities Assets $802.64 million Loans $552.84 million Deposits $686.89 million Equity Capital $68.62 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $6.65 million Real Estate Owned $3.92 million Historic Data - March 2011 Assets $399.53 million Equity Capital $36.22 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $1.62 million Real Estate Owned $1.98 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.9% Return on Equity 10.63% Interest Income $9.10 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 Old Line Bank had $10.57 million in non-current loans and owned real-estate with $72.41 million in equity and loan loss allowances on hand to cover it. This gives Old Line Bank a Texas Ratio of 14.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Old Line Bank increased slightly from 9.37% as of March 31, 2011 to 14.60% as of March 31, 2012, resulting in a negative change of 55.86%. This indicates that the balance sheet and financial strength for Old Line Bank has declined slightly in recent periods. Deposit Growth In the past year, Old Line Bank has increased its total deposits by $341.8 million, resulting in 99.04% 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 Old Line Bank 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. Old Line Bank has $802.64 million in assets with $72.41 million in equity, resulting in a capitalization level of 9.02%, which is average.

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