Provident State Bank, Inc.

Provident State Bank, Inc. is headquartered in Preston and is the 38^th largest bank in the state of Maryland. It is also the 2,362^nd largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 77 employees at 9 locations. Provident State Bank, Inc.'s savings rates are 6X the national average, and it has a 3-star health rating.

Provident State Bank, Inc. Routing Number: 052101931

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Data for Q1 2012

Institution Statistics Provident State Bank, Inc. FDIC Certificate # 8813 BankRate Report View Year Established 1904 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $273.72 million Loans $183.18 million Deposits $229.97 million Equity Capital $22.53 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $4.60 million Real Estate Owned $2.05 million Historic Data - March 2011 Assets $258.75 million Equity Capital $20.62 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.61% Return on Equity 7.25% Interest Income $3.01 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 Provident State Bank, Inc. had $6.65 million in non-current loans and owned real-estate with $24.28 million in equity and loan loss allowances on hand to cover it. This gives Provident State Bank, Inc. a Texas Ratio of 27.38% 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 Provident State Bank, Inc. increased slightly from 15.14% as of March 31, 2011 to 27.38% as of March 31, 2012, resulting in a negative change of 80.85%. This indicates that the balance sheet and financial strength for Provident State Bank, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Provident State Bank, Inc. has increased its total deposits by $12.3 million, resulting in 5.65% 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 Provident State Bank, Inc. 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. Provident State Bank, Inc. has $273.72 million in assets with $24.28 million in equity, resulting in a capitalization level of 8.87%, which is average.