The Security National Bank of Sioux City, Iowa

The Security National Bank of Sioux City, Iowa is headquartered in Sioux City and is the 16^st largest bank in the state of Iowa. It is also the 902^nd largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 177 employees at 5 locations. The Security National Bank of Sioux City, Iowa's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

The Security National Bank of Sioux City, Iowa Checking Account Rates

The Security National Bank of Sioux City, Iowa Savings Account Rates

The Security National Bank of Sioux City, Iowa Money Market Rates

The Security National Bank of Sioux City, Iowa CD Rates

The Security National Bank of Sioux City, Iowa IRA Rates

Data for Q1 2012

Institution Statistics The Security National Bank of Sioux City, Iowa FDIC Certificate # 4506 BankRate Report View Year Established 1884 Employees 177 Primary Regulator OCC Assets and Liabilities Assets $743.10 million Loans $417.81 million Deposits $553.69 million Equity Capital $73.66 million Loan Loss Allowance $10.91 million Unbacked Noncurrent Loans $913,000 Historic Data - March 2011 Assets $701.94 million Equity Capital $64.73 million Loan Loss Allowance $10.60 million Unbacked Noncurrent Loans $2.36 million Real Estate Owned $1.58 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 1.44% Return on Equity 14.46% Interest Income $6.12 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 Security National Bank of Sioux City, Iowa had $913,000 in non-current loans and owned real-estate with $84.57 million in equity and loan loss allowances on hand to cover it. This gives The Security National Bank of Sioux City, Iowa a Texas Ratio of 1.08% 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 Security National Bank of Sioux City, Iowa decreased significantly from 5.23% as of March 31, 2011 to 1.08% as of March 31, 2012, resulting in a positive change of 79.34%.This indicates that the balance sheet and financial strength for The Security National Bank of Sioux City, Iowa has improved significantly in recent periods. Deposit Growth In the past year, The Security National Bank of Sioux City, Iowa has increased its total deposits by $43.5 million, resulting in 8.53% 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 Security National Bank of Sioux City, Iowa 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 Security National Bank of Sioux City, Iowa has $743.1 million in assets with $84.57 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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