Breda Savings Bank

Breda Savings Bank is headquartered in Breda and is the 297^th largest bank in the state of Iowa. It is also the 6,613^st largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 7 employees at 1 location. Breda Savings Bank has a 5-star health rating.

Breda Savings Bank Routing Number: 073912196

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Data for Q4 2011

Institution Statistics Breda Savings Bank FDIC Certificate # 5792 BankRate Report View Year Established 1890 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $42.24 million Loans $18.31 million Deposits $28.38 million Equity Capital $6.40 million Loan Loss Allowance $445,000 Historic Data - December 2010 Assets $36.84 million Equity Capital $6.25 million Loan Loss Allowance $399,000 Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.58% Return on Equity 3.49% Interest Income $1.38 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 Breda Savings Bank had $0 in non-current loans and owned real-estate with $6.84 million in equity and loan loss allowances on hand to cover it. This gives Breda Savings Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Breda Savings Bank has increased its total deposits by $2.68 million, resulting in 10.43% 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 Breda Savings 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. Breda Savings Bank has $42.24 million in assets with $6.84 million in equity, resulting in a capitalization level of 16.19%, which is excellent.

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