The Napoleon State Bank

The Napoleon State Bank is headquartered in Napoleon and is the 70^th largest bank in the state of Indiana. It is also the 3,357^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 54 employees at 4 locations. The Napoleon State Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

The Napoleon State Bank Routing Number: 074908510

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Data for Q1 2012

Institution Statistics The Napoleon State Bank FDIC Certificate # 10101 BankRate Report View Year Established 1903 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $182.00 million Loans $122.29 million Deposits $163.80 million Equity Capital $15.29 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $502,000 Real Estate Owned $590,000 Historic Data - March 2011 Assets $158.81 million Equity Capital $14.31 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $755,000 Real Estate Owned $435,000 Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 0.79% Return on Equity 9.16% Interest Income $1.83 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 The Napoleon State Bank had $1.09 million in non-current loans and owned real-estate with $16.79 million in equity and loan loss allowances on hand to cover it. This gives The Napoleon State Bank a Texas Ratio of 6.50% 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 The Napoleon State Bank held steady from 7.24% as of March 31, 2011 to 6.50% as of March 31, 2012, resulting in a positive change of 10.19%.This indicates that the balance sheet and financial strength for The Napoleon State Bank has held steady in recent periods. Deposit Growth In the past year, The Napoleon State Bank has increased its total deposits by $22.27 million, resulting in 15.73% 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 Napoleon State 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 Napoleon State Bank has $182 million in assets with $16.79 million in equity, resulting in a capitalization level of 9.23%, which is average.

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