Earlham Savings Bank

Earlham Savings Bank is headquartered in West Des Moines and is the 60^th largest bank in the state of Iowa. It is also the 2,398^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 66 employees at 7 locations. Earlham Savings Bank has a 5-star health rating.

Earlham Savings Bank Routing Number: 073921158

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Data for Q1 2012

Institution Statistics Earlham Savings Bank FDIC Certificate # 5796 BankRate Report View Year Established 1931 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $268.65 million Loans $177.26 million Deposits $235.51 million Equity Capital $31.42 million Loan Loss Allowance $2.60 million Unbacked Noncurrent Loans $1.15 million Real Estate Owned $833,000 Historic Data - March 2011 Assets $257.68 million Equity Capital $29.75 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $833,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.51% Return on Equity 4.42% Interest Income $2.70 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 Earlham Savings Bank had $1.98 million in non-current loans and owned real-estate with $34.02 million in equity and loan loss allowances on hand to cover it. This gives Earlham Savings Bank a Texas Ratio of 5.83% 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 Earlham Savings Bank decreased slightly from 7.56% as of March 31, 2011 to 5.83% as of March 31, 2012, resulting in a positive change of 22.93%.This indicates that the balance sheet and financial strength for Earlham Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Earlham Savings Bank has increased its total deposits by $10.88 million, resulting in 4.84% 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 Earlham Savings Bank has shown is above 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. Earlham Savings Bank has $268.65 million in assets with $34.02 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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