State Bank & Trust Co. (IA)

State Bank & Trust Co. (IA) is headquartered in Nevada and is the 122^nd largest bank in the state of Iowa. It is also the 3,771^st largest bank in the nation. It was established in 1939 and as of March of 2012, it had grown to 22 employees at 2 locations. State Bank & Trust Co. (IA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics State Bank & Trust Co. FDIC Certificate # 15651 BankRate Report View Year Established 1939 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $156.21 million Loans $81.79 million Deposits $128.40 million Equity Capital $15.97 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.98 million Real Estate Owned $966,000 Historic Data - March 2011 Assets $145.81 million Equity Capital $14.57 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $42,000 Real Estate Owned $969,000 Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 1.44% Return on Equity 13.84% Interest Income $1.45 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 & Trust Co. (IA) had $2.95 million in non-current loans and owned real-estate with $17.55 million in equity and loan loss allowances on hand to cover it. This gives State Bank & Trust Co. (IA) a Texas Ratio of 16.80% 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 & Trust Co. (IA) increased slightly from 6.43% as of March 31, 2011 to 16.80% as of March 31, 2012, resulting in a negative change of 161.32%. This indicates that the balance sheet and financial strength for State Bank & Trust Co. (IA) has declined slightly in recent periods. Deposit Growth In the past year, State Bank & Trust Co. (IA) has increased its total deposits by $12.11 million, resulting in 10.41% 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 & Trust Co. (IA) 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. State Bank & Trust Co. (IA) has $156.21 million in assets with $17.55 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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