Blue Grass Savings Bank

Blue Grass Savings Bank is headquartered in Blue Grass and is the 98^th largest bank in the state of Iowa. It is also the 3,390^th largest bank in the nation. It was established in 1902 and as of December of 2011, it had grown to 15 employees at 1 location. Blue Grass Savings Bank's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

Blue Grass Savings Bank Routing Number: 073912086

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Data for Q4 2011

Institution Statistics Blue Grass Savings Bank FDIC Certificate # 13753 BankRate Report View Year Established 1902 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $178.69 million Loans $58.46 million Deposits $144.15 million Equity Capital $26.99 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $865,000 Historic Data - December 2010 Assets $171.14 million Equity Capital $24.19 million Loan Loss Allowance $898,000 Unbacked Noncurrent Loans $1.98 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 2.41% Return on Assets 0.71% Return on Equity 4.93% Interest Income $6.55 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 Blue Grass Savings Bank had $2.62 million in non-current loans and owned real-estate with $28.08 million in equity and loan loss allowances on hand to cover it. This gives Blue Grass Savings Bank a Texas Ratio of 9.33% 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 Blue Grass Savings Bank decreased slightly from 15.17% as of December 31, 2010 to 9.33% as of December 31, 2011, resulting in a positive change of 38.48%.This indicates that the balance sheet and financial strength for Blue Grass Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Blue Grass Savings Bank has increased its total deposits by $4.3 million, resulting in 3.07% 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 Blue Grass Savings 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. Blue Grass Savings Bank has $178.69 million in assets with $28.08 million in equity, resulting in a capitalization level of 15.72%, which is excellent.

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