Corydon State Bank

Corydon State Bank is headquartered in Corydon and is the 224^th largest bank in the state of Iowa. It is also the 5,389^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 10 employees at 1 location. Corydon State Bank has a 4-star health rating.

Corydon State Bank Routing Number: 073904502

Data for Q1 2012

Institution Statistics Corydon State Bank FDIC Certificate # 13616 BankRate Report View Year Established 1926 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $83.46 million Loans $62.33 million Deposits $70.10 million Equity Capital $13.09 million Loan Loss Allowance $767,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $40,000 Historic Data - March 2011 Assets $73.21 million Equity Capital $11.09 million Loan Loss Allowance $473,000 Unbacked Noncurrent Loans $190,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 3.82% Return on Equity 24.92% Interest Income $1.14 million

Institution Health Overall Score: 4 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 Corydon State Bank had $1.56 million in non-current loans and owned real-estate with $13.86 million in equity and loan loss allowances on hand to cover it. This gives Corydon State Bank a Texas Ratio of 11.28% 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 Corydon State Bank increased slightly from 1.64% as of March 31, 2011 to 11.28% as of March 31, 2012, resulting in a negative change of 586.87%. This indicates that the balance sheet and financial strength for Corydon State Bank has declined slightly in recent periods. Deposit Growth In the past year, Corydon State Bank has increased its total deposits by $8.38 million, resulting in 13.57% 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 Corydon 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. Corydon State Bank has $83.46 million in assets with $13.86 million in equity, resulting in a capitalization level of 16.61%, which is excellent.

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