State Bank of Medora

State Bank of Medora is headquartered in Medora and is the 129^th largest bank in the state of Indiana. It is also the 6,083^rd largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 18 employees at 1 location. State Bank of Medora has a 4-star health rating.

State Bank of Medora Routing Number: 083906228

Data for Q1 2012

Institution Statistics State Bank of Medora FDIC Certificate # 14561 BankRate Report View Year Established 1933 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $59.53 million Loans $32.18 million Deposits $48.46 million Equity Capital $10.13 million Loan Loss Allowance $519,000 Unbacked Noncurrent Loans $1.42 million Real Estate Owned $146,000 Historic Data - March 2011 Assets $59.33 million Equity Capital $9.62 million Loan Loss Allowance $461,000 Unbacked Noncurrent Loans $1.24 million Real Estate Owned $28,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1.24% Return on Equity 7.41% Interest Income $712,000

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 Medora had $1.57 million in non-current loans and owned real-estate with $10.65 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Medora a Texas Ratio of 14.72% 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 State Bank of Medora held steady from 12.55% as of March 31, 2011 to 14.72% as of March 31, 2012, resulting in a negative change of 17.31%. This indicates that the balance sheet and financial strength for State Bank of Medora has held steady in recent periods. Deposit Growth In the past year, State Bank of Medora has decreased its total deposits by $-386,000, resulting in -0.79% 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 Medora has shown is 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 Medora has $59.53 million in assets with $10.65 million in equity, resulting in a capitalization level of 17.88%, which is excellent.

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