Benton County State Bank

Benton County State Bank is headquartered in Blairstown and is the 300^th largest bank in the state of Iowa. It is also the 6,671^st largest bank in the nation. It was established in 1869 and as of December of 2011, it had grown to 7 employees at 1 location. Benton County State Bank has a 5-star health rating.

Benton County State Bank Routing Number: 073912060

Data for Q4 2011

Institution Statistics Benton County State Bank FDIC Certificate # 13774 BankRate Report View Year Established 1869 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $40.77 million Loans $30.07 million Deposits $27.73 million Equity Capital $5.68 million Loan Loss Allowance $244,000 Real Estate Owned $19,000 Historic Data - December 2010 Assets $38.38 million Equity Capital $5.34 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 1.45% Return on Equity 10.35% Interest Income $2.14 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 Benton County State Bank had $19,000 in non-current loans and owned real-estate with $5.92 million in equity and loan loss allowances on hand to cover it. This gives Benton County State Bank a Texas Ratio of 0.32% 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 Benton County State Bank decreased slightly from 0.47% as of December 31, 2010 to 0.32% as of December 31, 2011, resulting in a positive change of 31.02%.This indicates that the balance sheet and financial strength for Benton County State Bank has improved slightly in recent periods. Deposit Growth In the past year, Benton County State Bank has increased its total deposits by $4.04 million, resulting in 17.06% 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 Benton County State Bank 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. Benton County State Bank has $40.77 million in assets with $5.92 million in equity, resulting in a capitalization level of 14.52%, which is excellent.

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