Randall-Story State Bank

Randall-Story State Bank is headquartered in Story City and is the 195^th largest bank in the state of Iowa. It is also the 4,966^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 13 employees at 1 location. Randall-Story State Bank has a 5-star health rating.

Randall-Story State Bank Routing Number: 073920926

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Data for Q1 2012

Institution Statistics Reliance State Bank FDIC Certificate # 9299 BankRate Report View Year Established 1928 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $99.03 million Loans $46.56 million Deposits $83.25 million Equity Capital $9.95 million Loan Loss Allowance $734,000 Unbacked Noncurrent Loans $133,000 Real Estate Owned $627,000 Historic Data - March 2011 Assets $87.65 million Equity Capital $8.94 million Loan Loss Allowance $734,000 Unbacked Noncurrent Loans $263,000 Real Estate Owned $692,000 Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.34% Return on Equity 12.82% Interest Income $935,000

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 Randall-Story State Bank had $760,000 in non-current loans and owned real-estate with $10.68 million in equity and loan loss allowances on hand to cover it. This gives Randall-Story State Bank a Texas Ratio of 7.11% 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 Randall-Story State Bank decreased slightly from 9.87% as of March 31, 2011 to 7.11% as of March 31, 2012, resulting in a positive change of 27.94%.This indicates that the balance sheet and financial strength for Randall-Story State Bank has improved slightly in recent periods. Deposit Growth In the past year, Randall-Story State Bank has increased its total deposits by $9.75 million, resulting in 13.27% 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 Randall-Story State 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. Randall-Story State Bank has $99.03 million in assets with $10.68 million in equity, resulting in a capitalization level of 10.79%, which is above average.

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