Lincoln Savings Bank

Lincoln Savings Bank is headquartered in Cedar Falls and is the 21^st largest bank in the state of Iowa. It is also the 1,163^rd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 197 employees at 14 locations. Lincoln Savings Bank's money market rates are 3X the national average, and it boasts a 5-star health rating.

Lincoln Savings Bank Checking Account Rates

Lincoln Savings Bank Savings Account Rates

Lincoln Savings Bank Money Market Rates

Lincoln Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Lincoln Savings Bank FDIC Certificate # 14207 BankRate Report View Year Established 1902 Employees 197 Primary Regulator FDIC Assets and Liabilities Assets $580.58 million Loans $345.70 million Deposits $439.18 million Equity Capital $66.29 million Loan Loss Allowance $5.98 million Unbacked Noncurrent Loans $6.79 million Real Estate Owned $403,000 Historic Data - March 2011 Assets $549.30 million Equity Capital $62.03 million Loan Loss Allowance $5.57 million Unbacked Noncurrent Loans $6.77 million Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.57% Return on Equity 5% Interest Income $5.55 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 Lincoln Savings Bank had $7.2 million in non-current loans and owned real-estate with $72.27 million in equity and loan loss allowances on hand to cover it. This gives Lincoln Savings Bank a Texas Ratio of 9.96% 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 Lincoln Savings Bank held steady from 10.39% as of March 31, 2011 to 9.96% as of March 31, 2012, resulting in a positive change of 4.18%.This indicates that the balance sheet and financial strength for Lincoln Savings Bank has held steady in recent periods. Deposit Growth In the past year, Lincoln Savings Bank has increased its total deposits by $29.62 million, resulting in 7.23% 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 Lincoln 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. Lincoln Savings Bank has $580.58 million in assets with $72.27 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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