Ackley State Bank

Ackley State Bank is headquartered in Ackley and is the 149^th largest bank in the state of Iowa. It is also the 4,341^st largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 33 employees at 5 locations. Ackley State Bank has a 5-star health rating.

Ackley State Bank Routing Number: 073905352

Data for Q4 2011

Institution Statistics Ackley State Bank FDIC Certificate # 14936 BankRate Report View Year Established 1934 Employees 33 Primary Regulator FED Assets and Liabilities Assets $124.51 million Loans $64.58 million Deposits $90.03 million Equity Capital $13.15 million Loan Loss Allowance $927,000 Unbacked Noncurrent Loans $387,000 Real Estate Owned $595,000 Historic Data - December 2010 Assets $128.32 million Equity Capital $11.26 million Loan Loss Allowance $856,000 Unbacked Noncurrent Loans $1.60 million Real Estate Owned $608,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.88% Return on Equity 8.74% Interest Income $4.63 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 December 31, 2011 Ackley State Bank had $982,000 in non-current loans and owned real-estate with $14.08 million in equity and loan loss allowances on hand to cover it. This gives Ackley State Bank a Texas Ratio of 6.97% 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 Ackley State Bank decreased significantly from 18.26% as of December 31, 2010 to 6.97% as of December 31, 2011, resulting in a positive change of 61.80%.This indicates that the balance sheet and financial strength for Ackley State Bank has improved significantly in recent periods. Deposit Growth In the past year, Ackley State Bank has increased its total deposits by $181,000, resulting in 0.2% 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 Ackley State Bank has shown is 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. Ackley State Bank has $124.51 million in assets with $14.08 million in equity, resulting in a capitalization level of 11.31%, which is above average.

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