The Libertyville Savings Bank

The Libertyville Savings Bank is headquartered in Fairfield and is the 90^th largest bank in the state of Iowa. It is also the 3,198^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 33 employees at 4 locations. The Libertyville Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Libertyville Savings Bank FDIC Certificate # 13712 BankRate Report View Year Established 1901 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $194.37 million Loans $118.39 million Deposits $163.41 million Equity Capital $21.46 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $3.19 million Real Estate Owned $973,000 Historic Data - March 2011 Assets $177.73 million Equity Capital $17.68 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $4.63 million Real Estate Owned $532,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 2.06% Return on Equity 18.89% Interest Income $2.22 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 The Libertyville Savings Bank had $4.16 million in non-current loans and owned real-estate with $22.98 million in equity and loan loss allowances on hand to cover it. This gives The Libertyville Savings Bank a Texas Ratio of 18.10% 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 The Libertyville Savings Bank decreased slightly from 26.50% as of March 31, 2011 to 18.10% as of March 31, 2012, resulting in a positive change of 31.68%.This indicates that the balance sheet and financial strength for The Libertyville Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, The Libertyville Savings Bank has increased its total deposits by $10.36 million, resulting in 6.77% 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 The Libertyville 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. The Libertyville Savings Bank has $194.36 million in assets with $22.98 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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