Taylor Bank

Taylor Bank is headquartered in Berlin and is the 22^nd largest bank in the state of Maryland. It is also the 1,552^nd largest bank in the nation. It was established in 1890 and as of September of 2011, it had grown to 89 employees at 10 locations. Taylor Bank's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Calvin B. Taylor Banking Company of Berlin, Maryland FDIC Certificate # 5874 BankRate Report View Year Established 1890 Employees 89 Primary Regulator FDIC Assets and Liabilities Assets $424.38 million Loans $228.09 million Deposits $344.45 million Equity Capital $73.60 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $4.14 million Real Estate Owned $1.53 million Historic Data - September 2010 Assets $414.92 million Equity Capital $71.84 million Loan Loss Allowance $629,000 Unbacked Noncurrent Loans $4.80 million Real Estate Owned $1.21 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.17% Return on Equity 6.7% Interest Income $12.42 million

Institution Health Overall Score: 5 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 September 30, 2011 Taylor Bank had $5.66 million in non-current loans and owned real-estate with $74.3 million in equity and loan loss allowances on hand to cover it. This gives Taylor Bank a Texas Ratio of 7.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Taylor Bank held steady from 8.29% as of September 30, 2010 to 7.62% as of September 30, 2011, resulting in a positive change of 8.13%.This indicates that the balance sheet and financial strength for Taylor Bank has held steady in recent periods. Deposit Growth In the past year, Taylor Bank has increased its total deposits by $9.26 million, resulting in 2.76% 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 Taylor 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. Taylor Bank has $424.38 million in assets with $74.3 million in equity, resulting in a capitalization level of 17.51%, which is excellent.

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