Iowa Trust and Savings Bank

Iowa Trust and Savings Bank is headquartered in Centerville and is the 106^th largest bank in the state of Iowa. It is also the 3,530^th largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 31 employees at 2 locations. Iowa Trust and Savings Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Iowa Trust and Savings Bank FDIC Certificate # 1547 BankRate Report View Year Established 1896 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $170.11 million Loans $70.57 million Deposits $128.30 million Equity Capital $20.01 million Loan Loss Allowance $994,000 Unbacked Noncurrent Loans $383,000 Historic Data - March 2011 Assets $156.83 million Equity Capital $16.74 million Loan Loss Allowance $935,000 Unbacked Noncurrent Loans $124,000 Real Estate Owned $10,000 Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 1.6% Return on Equity 13.95% Interest Income $1.63 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 Trust and Savings Bank had $383,000 in non-current loans and owned real-estate with $21.01 million in equity and loan loss allowances on hand to cover it. This gives Iowa Trust and Savings Bank a Texas Ratio of 1.82% 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 Trust and Savings Bank held steady from 0.76% as of March 31, 2011 to 1.82% as of March 31, 2012, resulting in a negative change of 140.49%. This indicates that the balance sheet and financial strength for Iowa Trust and Savings Bank has held steady in recent periods. Deposit Growth In the past year, Iowa Trust and Savings Bank has increased its total deposits by $10.09 million, resulting in 8.54% 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 Trust and 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 Trust and Savings Bank has $170.11 million in assets with $21.01 million in equity, resulting in a capitalization level of 12.35%, which is excellent.

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