Institution Statistics
| Iowa Savings Bank | | FDIC Certificate # | 14690 | | BankRate Report | View | | Year Established | 1902 | | Employees | 42 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $174.58 million | | Loans | $93.59 million | | Deposits | $159.16 million | | Equity Capital | $14.91 million | | Loan Loss Allowance | $1.97 million | | Unbacked Noncurrent Loans | $640,000 |
Historic Data - March 2011 | | Assets | $161.44 million | | Equity Capital | $13.85 million | | Loan Loss Allowance | $2.08 million | | Unbacked Noncurrent Loans | $364,000 | | Real Estate Owned | $250,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.31% | | Return on Assets | 1.08% | | Return on Equity | 12.48% | | Interest Income | $1.47 million |
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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 Iowa Savings Bank had $640,000 in non-current loans and owned real-estate with $16.89 million in equity and loan loss allowances on hand to cover it. This gives Iowa Savings Bank a Texas Ratio of 3.79% 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 Iowa Savings Bank held steady from 3.25% as of March 31, 2011 to 3.79% as of March 31, 2012, resulting in a negative change of 16.56%. This indicates that the balance sheet and financial strength for Iowa Savings Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Iowa Savings Bank has increased its total deposits by $12.67 million, resulting in 8.65% 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 Iowa 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. Iowa Savings Bank has $174.58 million in assets with $16.89 million in equity, resulting in a capitalization level of 9.67%, which is average. |
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