St. Ansgar State Bank

St. Ansgar State Bank is headquartered in Saint Ansgar and is the 191^st largest bank in the state of Iowa. It is also the 4,940^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 20 employees at 2 locations. St. Ansgar State Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics St. Ansgar State Bank FDIC Certificate # 17259 BankRate Report View Year Established 1891 Employees 20 Primary Regulator FED Assets and Liabilities Assets $99.99 million Loans $72.04 million Deposits $85.66 million Equity Capital $13.49 million Loan Loss Allowance $729,000 Unbacked Noncurrent Loans $100,000 Real Estate Owned $990,000 Historic Data - March 2011 Assets $100.20 million Equity Capital $13.13 million Loan Loss Allowance $733,000 Unbacked Noncurrent Loans $1.00 million Real Estate Owned $1.43 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 1.64% Return on Equity 12.1% Interest Income $1.08 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 St. Ansgar State Bank had $1.09 million in non-current loans and owned real-estate with $14.22 million in equity and loan loss allowances on hand to cover it. This gives St. Ansgar State Bank a Texas Ratio of 7.67% 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 St. Ansgar State Bank decreased significantly from 17.53% as of March 31, 2011 to 7.67% as of March 31, 2012, resulting in a positive change of 56.28%.This indicates that the balance sheet and financial strength for St. Ansgar State Bank has improved significantly in recent periods. Deposit Growth In the past year, St. Ansgar State Bank has increased its total deposits by $3.96 million, resulting in 4.85% 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 St. Ansgar 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. St. Ansgar State Bank has $99.99 million in assets with $14.22 million in equity, resulting in a capitalization level of 14.22%, which is excellent.

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