Bank Iowa

Bank Iowa is headquartered in West Des Moines and is the 11^st largest bank in the state of Iowa. It is also the 603^rd largest bank in the nation. It was established in 1923 and as of December of 2011, it had grown to 213 employees at 24 locations. Bank Iowa has a 3-star health rating.

Bank Iowa Checking Account Rates

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Bank Iowa Money Market Rates

Data for Q4 2011

Institution Statistics Bank Iowa FDIC Certificate # 14521 BankRate Report View Year Established 1923 Employees 213 Primary Regulator FED Assets and Liabilities Assets $1.09 billion Loans $636.07 million Deposits $913.94 million Equity Capital $93.79 million Loan Loss Allowance $10.20 million Unbacked Noncurrent Loans $13.09 million Real Estate Owned $7.00 million Historic Data - December 2010 Assets $111.93 million Equity Capital $8.74 million Loan Loss Allowance $637,000 Unbacked Noncurrent Loans $1.03 million Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.96% Return on Equity 11.36% Interest Income $44.40 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 December 31, 2011 Bank Iowa had $20.08 million in non-current loans and owned real-estate with $104 million in equity and loan loss allowances on hand to cover it. This gives Bank Iowa a Texas Ratio of 19.31% 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 Bank Iowa increased slightly from 4.94% as of December 31, 2010 to 19.31% as of December 31, 2011, resulting in a negative change of 290.92%. This indicates that the balance sheet and financial strength for Bank Iowa has declined slightly in recent periods. Deposit Growth In the past year, Bank Iowa has increased its total deposits by $815.89 million, resulting in 832.17% 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 Bank Iowa 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. Bank Iowa has $1.09 billion in assets with $104 million in equity, resulting in a capitalization level of 9.54%, which is average.

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