Boonville FSB

Boonville FSB is headquartered in Boonville and is the 137^th largest bank in the state of Indiana. It is also the 6,655^th largest bank in the nation. It was established in 1917 and as of December of 2011, it had grown to 11 employees at 1 location. Boonville FSB has a 5-star health rating.

Data for Q4 2011

Institution Statistics Boonville FSB OTS # 04807 FDIC Certificate # 30128 BankRate Report View Year Established 1917 Employees 11 Primary Regulator OCC Assets and Liabilities Assets $41.05 million Loans $30.45 million Deposits $34.64 million Equity Capital $4.40 million Loan Loss Allowance $423,000 Unbacked Noncurrent Loans $129,000 Historic Data - December 2010 Assets $40.54 million Equity Capital $4.33 million Loan Loss Allowance $480,000 Unbacked Noncurrent Loans $315,000 Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 0.17% Return on Equity 1.65% Interest Income $1.82 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 Boonville FSB had $129,000 in non-current loans and owned real-estate with $4.83 million in equity and loan loss allowances on hand to cover it. This gives Boonville FSB a Texas Ratio of 2.67% 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 Boonville FSB decreased significantly from 6.55% as of December 31, 2010 to 2.67% as of December 31, 2011, resulting in a positive change of 59.17%.This indicates that the balance sheet and financial strength for Boonville FSB has improved significantly in recent periods. Deposit Growth In the past year, Boonville FSB has decreased its total deposits by -$1.63 million, resulting in -4.49% 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 Boonville FSB has shown is below 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. Boonville FSB has $41.05 million in assets with $4.83 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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