BankIowa of Cedar Rapids

BankIowa of Cedar Rapids is headquartered in Cedar Rapids and is the 27^th largest bank in the state of Iowa. It is also the 1,436^th largest bank in the nation. It was established in 1881 and as of December of 2011, it had grown to 119 employees at 11 locations. BankIowa of Cedar Rapids' savings rates are 2X the national average, and it has a 4-star health rating.

BankIowa of Cedar Rapids Checking Account Rates

BankIowa of Cedar Rapids Savings Account Rates

BankIowa of Cedar Rapids Money Market Rates

BankIowa of Cedar Rapids CD Rates

Data for Q4 2011

Institution Statistics BankIowa of Cedar Rapids FDIC Certificate # 17282 BankRate Report View Year Established 1881 Employees 119 Primary Regulator FDIC Assets and Liabilities Assets $464.40 million Loans $330.28 million Deposits $375.84 million Equity Capital $49.22 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $1.69 million Historic Data - December 2010 Assets $447.75 million Equity Capital $44.06 million Loan Loss Allowance $3.78 million Unbacked Noncurrent Loans $1.51 million Real Estate Owned $3.05 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 1.03% Return on Equity 9.9% Interest Income $19.83 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 December 31, 2011 BankIowa of Cedar Rapids had $4.69 million in non-current loans and owned real-estate with $52.8 million in equity and loan loss allowances on hand to cover it. This gives BankIowa of Cedar Rapids a Texas Ratio of 8.88% 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 BankIowa of Cedar Rapids held steady from 9.55% as of December 31, 2010 to 8.88% as of December 31, 2011, resulting in a positive change of 7.00%.This indicates that the balance sheet and financial strength for BankIowa of Cedar Rapids has held steady in recent periods. Deposit Growth In the past year, BankIowa of Cedar Rapids has increased its total deposits by $8.15 million, resulting in 2.22% 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 BankIowa of Cedar Rapids 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. BankIowa of Cedar Rapids has $464.4 million in assets with $52.8 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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