Keokuk County State Bank

Keokuk County State Bank is headquartered in Sigourney and is the 189^th largest bank in the state of Iowa. It is also the 4,930^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 28 employees at 5 locations. Keokuk County State Bank has a 4-star health rating.

Keokuk County State Bank Routing Number: 073903891

Data for Q1 2012

Institution Statistics Keokuk County State Bank FDIC Certificate # 12126 BankRate Report View Year Established 1884 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $100.64 million Loans $80.59 million Deposits $89.65 million Equity Capital $10.18 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $1.18 million Real Estate Owned $19,000 Historic Data - March 2011 Assets $97.69 million Equity Capital $9.07 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $413,000 Real Estate Owned $96,000 Profit Margin - Quarterly Net Interest Margin 5.28% Return on Assets 1.53% Return on Equity 15.07% Interest Income $1.33 million

Institution Health Overall Score: 4 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 Keokuk County State Bank had $1.2 million in non-current loans and owned real-estate with $11.41 million in equity and loan loss allowances on hand to cover it. This gives Keokuk County State Bank a Texas Ratio of 10.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Keokuk County State Bank increased slightly from 4.95% as of March 31, 2011 to 10.49% as of March 31, 2012, resulting in a negative change of 111.81%. This indicates that the balance sheet and financial strength for Keokuk County State Bank has declined slightly in recent periods. Deposit Growth In the past year, Keokuk County State Bank has increased its total deposits by $2.08 million, resulting in 2.38% 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 Keokuk County State Bank 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. Keokuk County State Bank has $100.64 million in assets with $11.41 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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