Treynor State Bank

Treynor State Bank is headquartered in Treynor and is the 76^th largest bank in the state of Iowa. It is also the 2,773^rd largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 53 employees at 3 locations. Treynor State Bank's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Treynor State Bank Routing Number: 104920442

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Data for Q1 2012

Institution Statistics Treynor State Bank FDIC Certificate # 14812 BankRate Report View Year Established 1923 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $230.03 million Loans $89.32 million Deposits $177.44 million Equity Capital $19.68 million Loan Loss Allowance $880,000 Unbacked Noncurrent Loans $1.55 million Real Estate Owned $403,000 Historic Data - March 2011 Assets $211.33 million Equity Capital $16.21 million Loan Loss Allowance $978,000 Unbacked Noncurrent Loans $896,000 Real Estate Owned $280,000 Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 2.52% Return on Equity 29.47% Interest Income $2.64 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 Treynor State Bank had $1.95 million in non-current loans and owned real-estate with $20.56 million in equity and loan loss allowances on hand to cover it. This gives Treynor State Bank a Texas Ratio of 9.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Treynor State Bank held steady from 6.84% as of March 31, 2011 to 9.49% as of March 31, 2012, resulting in a negative change of 38.69%. This indicates that the balance sheet and financial strength for Treynor State Bank has held steady in recent periods. Deposit Growth In the past year, Treynor State Bank has increased its total deposits by $16.37 million, resulting in 10.16% 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 Treynor 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. Treynor State Bank has $230.03 million in assets with $20.56 million in equity, resulting in a capitalization level of 8.94%, which is average.

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