Iowa State Savings Bank (IA)

Iowa State Savings Bank (IA) is headquartered in Knoxville and is the 170^th largest bank in the state of Iowa. It is also the 4,597^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 37 employees at 4 locations. Iowa State Savings Bank (IA)'s savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Iowa State Savings Bank (IA) Savings Account Rates

Iowa State Savings Bank (IA) CD Rates

Iowa State Savings Bank (IA) IRA Rates

Data for Q1 2012

Institution Statistics Iowa State Savings Bank FDIC Certificate # 11349 BankRate Report View Year Established 1903 Employees 37 Primary Regulator FED Assets and Liabilities Assets $114.35 million Loans $66.05 million Deposits $100.60 million Equity Capital $8.62 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $258,000 Real Estate Owned $228,000 Historic Data - March 2011 Assets $112.60 million Equity Capital $8.63 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $659,000 Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.74% Return on Assets 0.91% Return on Equity 11.33% Interest Income $1.30 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 Iowa State Savings Bank (IA) had $486,000 in non-current loans and owned real-estate with $9.65 million in equity and loan loss allowances on hand to cover it. This gives Iowa State Savings Bank (IA) a Texas Ratio of 5.04% 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 State Savings Bank (IA) decreased significantly from 17.34% as of March 31, 2011 to 5.04% as of March 31, 2012, resulting in a positive change of 70.96%.This indicates that the balance sheet and financial strength for Iowa State Savings Bank (IA) has improved significantly in recent periods. Deposit Growth In the past year, Iowa State Savings Bank (IA) has increased its total deposits by $2.42 million, resulting in 2.46% 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 State Savings Bank (IA) 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. Iowa State Savings Bank (IA) has $114.34 million in assets with $9.65 million in equity, resulting in a capitalization level of 8.44%, which is average.

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