Templeton Savings Bank

Templeton Savings Bank is headquartered in Templeton and is the 182^nd largest bank in the state of Iowa. It is also the 4,818^st largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 16 employees at 2 locations. Templeton Savings Bank has a 5-star health rating.

Templeton Savings Bank Routing Number: 073920405

Data for Q1 2012

Institution Statistics Templeton Savings Bank FDIC Certificate # 969 BankRate Report View Year Established 1923 Employees 16 Primary Regulator FED Assets and Liabilities Assets $105.34 million Loans $61.47 million Deposits $86.93 million Equity Capital $12.25 million Loan Loss Allowance $974,000 Unbacked Noncurrent Loans $23,000 Historic Data - March 2011 Assets $91.33 million Equity Capital $11.61 million Loan Loss Allowance $925,000 Unbacked Noncurrent Loans $95,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.16% Return on Equity 9.53% Interest Income $1.02 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 Templeton Savings Bank had $23,000 in non-current loans and owned real-estate with $13.23 million in equity and loan loss allowances on hand to cover it. This gives Templeton Savings Bank a Texas Ratio of 0.17% 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 Templeton Savings Bank decreased significantly from 0.76% as of March 31, 2011 to 0.17% as of March 31, 2012, resulting in a positive change of 77.05%.This indicates that the balance sheet and financial strength for Templeton Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Templeton Savings Bank has increased its total deposits by $13.33 million, resulting in 18.11% 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 Templeton Savings Bank 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. Templeton Savings Bank has $105.34 million in assets with $13.23 million in equity, resulting in a capitalization level of 12.56%, which is excellent.

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