Dearborn Savings Bank

Dearborn Savings Bank is headquartered in Lawrenceburg and is the 99^th largest bank in the state of Indiana. It is also the 4,553^rd largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 18 employees at 2 locations. Dearborn Savings Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Dearborn Savings Bank Routing Number: 274970568

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Data for Q1 2012

Institution Statistics Dearborn Savings Bank OTS # 04354 FDIC Certificate # 29926 BankRate Report View Year Established 1891 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $115.84 million Loans $86.75 million Deposits $93.29 million Equity Capital $14.59 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $966,000 Historic Data - March 2011 Assets $123.64 million Equity Capital $15.00 million Loan Loss Allowance $965,000 Unbacked Noncurrent Loans $612,000 Real Estate Owned $2.39 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.82% Return on Equity 6.25% Interest Income $1.24 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 Dearborn Savings Bank had $2.26 million in non-current loans and owned real-estate with $15.64 million in equity and loan loss allowances on hand to cover it. This gives Dearborn Savings Bank a Texas Ratio of 14.47% 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 Dearborn Savings Bank decreased slightly from 18.80% as of March 31, 2011 to 14.47% as of March 31, 2012, resulting in a positive change of 23.01%.This indicates that the balance sheet and financial strength for Dearborn Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Dearborn Savings Bank has decreased its total deposits by -$9.39 million, resulting in -9.14% 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 Dearborn Savings Bank has shown is poor. 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. Dearborn Savings Bank has $115.84 million in assets with $15.64 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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