South Story Bank & Trust

South Story Bank & Trust is headquartered in Slater and is the 219^st largest bank in the state of Iowa. It is also the 5,336^th largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 20 employees at 2 locations. South Story Bank & Trust has a 5-star health rating.

South Story Bank & Trust Routing Number: 073922238

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Data for Q1 2012

Institution Statistics South Story Bank & Trust FDIC Certificate # 17348 BankRate Report View Year Established 1954 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $85.33 million Loans $61.72 million Deposits $73.36 million Equity Capital $9.86 million Loan Loss Allowance $733,000 Unbacked Noncurrent Loans $19,000 Historic Data - March 2011 Assets $67.64 million Equity Capital $9.14 million Loan Loss Allowance $580,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.24% Return on Equity 10.55% Interest Income $949,000

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 South Story Bank & Trust had $19,000 in non-current loans and owned real-estate with $10.59 million in equity and loan loss allowances on hand to cover it. This gives South Story Bank & Trust a Texas Ratio of 0.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, South Story Bank & Trust has increased its total deposits by $16.06 million, resulting in 28.02% 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 South Story Bank & Trust 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. South Story Bank & Trust has $85.33 million in assets with $10.59 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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