State Bank of Lizton

State Bank of Lizton is headquartered in Lizton and is the 38^th largest bank in the state of Indiana. It is also the 1,730^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 102 employees at 10 locations. State Bank of Lizton has a 4-star health rating.

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Data for Q1 2012

Institution Statistics State Bank of Lizton FDIC Certificate # 1833 BankRate Report View Year Established 1910 Employees 102 Primary Regulator FDIC Assets and Liabilities Assets $385.59 million Loans $210.10 million Deposits $345.48 million Equity Capital $38.91 million Loan Loss Allowance $5.31 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $3.71 million Historic Data - March 2011 Assets $374.57 million Equity Capital $36.05 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $1.90 million Real Estate Owned $3.92 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.78% Return on Equity 7.7% Interest Income $3.75 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 State Bank of Lizton had $7.89 million in non-current loans and owned real-estate with $44.22 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Lizton a Texas Ratio of 17.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Lizton held steady from 15.89% as of March 31, 2011 to 17.84% as of March 31, 2012, resulting in a negative change of 12.30%. This indicates that the balance sheet and financial strength for State Bank of Lizton has held steady in recent periods. Deposit Growth In the past year, State Bank of Lizton has increased its total deposits by $8.34 million, resulting in 2.47% 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 State Bank of Lizton 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. State Bank of Lizton has $385.59 million in assets with $44.22 million in equity, resulting in a capitalization level of 11.47%, which is above average.

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