Community Savings Bank

Community Savings Bank is headquartered in Edgewood and is the 49^th largest bank in the state of Iowa. It is also the 2,022^nd largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 67 employees at 7 locations. Community Savings Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

Community Savings Bank Checking Account Rates

Community Savings Bank Savings Account Rates

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Community Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Community Savings Bank FDIC Certificate # 14633 BankRate Report View Year Established 1910 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $322.82 million Loans $227.23 million Deposits $262.04 million Equity Capital $33.02 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $940,000 Real Estate Owned $314,000 Historic Data - March 2011 Assets $300.32 million Equity Capital $28.04 million Loan Loss Allowance $2.63 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $559,000 Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 1.82% Return on Equity 18.05% Interest Income $3.89 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 March 31, 2012 Community Savings Bank had $1.25 million in non-current loans and owned real-estate with $36.13 million in equity and loan loss allowances on hand to cover it. This gives Community Savings Bank a Texas Ratio of 3.47% 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 Community Savings Bank decreased slightly from 5.25% as of March 31, 2011 to 3.47% as of March 31, 2012, resulting in a positive change of 33.92%.This indicates that the balance sheet and financial strength for Community Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Community Savings Bank has increased its total deposits by $15.5 million, resulting in 6.29% 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 Community 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. Community Savings Bank has $322.82 million in assets with $36.13 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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