East Dubuque Savings Bank

East Dubuque Savings Bank is headquartered in Dubuque and is the 114^st largest bank in the state of Iowa. It is also the 3,627^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 48 employees at 2 locations. East Dubuque Savings Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics East Dubuque Savings Bank FDIC Certificate # 5733 BankRate Report View Year Established 1891 Employees 48 Primary Regulator FED Assets and Liabilities Assets $163.88 million Loans $120.78 million Deposits $134.56 million Equity Capital $15.39 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $5.45 million Real Estate Owned $1.15 million Historic Data - March 2011 Assets $173.40 million Equity Capital $13.96 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $4.04 million Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.09% Return on Equity 11.74% Interest Income $1.95 million

Institution Health Overall Score: 3 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 East Dubuque Savings Bank had $6.6 million in non-current loans and owned real-estate with $17.64 million in equity and loan loss allowances on hand to cover it. This gives East Dubuque Savings Bank a Texas Ratio of 37.41% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for East Dubuque Savings Bank held steady from 33.44% as of March 31, 2011 to 37.41% as of March 31, 2012, resulting in a negative change of 11.86%. This indicates that the balance sheet and financial strength for East Dubuque Savings Bank has held steady in recent periods. Deposit Growth In the past year, East Dubuque Savings Bank has decreased its total deposits by -$5.34 million, resulting in -3.82% 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 East Dubuque Savings Bank has shown is below 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. East Dubuque Savings Bank has $163.88 million in assets with $17.64 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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