Institution Statistics
| Iowa Trust & Savings Bank | | FDIC Certificate # | 18400 | | BankRate Report | View | | Year Established | 1929 | | Employees | 26 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $158.61 million | | Loans | $89.91 million | | Deposits | $136.11 million | | Equity Capital | $15.67 million | | Loan Loss Allowance | $1.49 million | | Unbacked Noncurrent Loans | $422,000 | | Real Estate Owned | $60,000 |
Historic Data - March 2011 | | Assets | $155.18 million | | Equity Capital | $14.58 million | | Loan Loss Allowance | $1.46 million | | Unbacked Noncurrent Loans | $2.89 million | | Real Estate Owned | $444,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.64% | | Return on Assets | 0.89% | | Return on Equity | 9.3% | | Interest Income | $1.51 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 Trust & Savings Bank had $482,000 in non-current loans and owned real-estate with $17.15 million in equity and loan loss allowances on hand to cover it. This gives Iowa Trust & Savings Bank a Texas Ratio of 2.81% 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 & Savings Bank decreased significantly from 20.80% as of March 31, 2011 to 2.81% as of March 31, 2012, resulting in a positive change of 86.49%.This indicates that the balance sheet and financial strength for Iowa Trust & Savings Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Iowa Trust & Savings Bank has increased its total deposits by $244,000, resulting in 0.18% 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 & Savings Bank has shown is 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 Trust & Savings Bank has $158.6 million in assets with $17.15 million in equity, resulting in a capitalization level of 10.81%, which is above average. |
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