West Liberty State Bank

101 East Fourth Street
West Liberty, IA 52776
319-627-2191
www.wlsb-ia.com

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West Liberty State Bank is headquartered in West Liberty and is the 231^st largest bank in the state of Iowa. It is also the 5,452^nd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 14 employees at 1 location. West Liberty State Bank has a 4-star health rating.

West Liberty State Bank Routing Number: 073904531

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See Rates for: Checking | Savings | Money Market | CD | IRA

West Liberty State Bank Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$20k	-	Interest Checking

West Liberty State Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%	$100	-	Statement Savings

West Liberty State Bank Money Market Rates

Apy	Min	Max	Product
0.45%	$100k	-	Premier Money Market
0.25%	$50k	-	Money Market

West Liberty State Bank CD Rates

Apy	Min	Max	Product
1.66%	$500	-	60 Month CD
1.61%	$500	-	35 Month Special CD
1.36%	$500	-	48 Month CD
1.16%	$500	-	36 Month CD
1.01%	$500	-	30 Month CD
0.95%	$500	-	13 Month Special CD
0.80%	$500	-	24 Month CD
0.60%	$500	-	18 Month CD
0.55%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

West Liberty State Bank IRA Rates

Apy	Min	Max	Product
1.66%	$500	-	60 Month IRA
1.66%	$500	-	60 Month Roth IRA
1.66%	$500	-	60 Month CESA
1.66%	$500	-	60 Month SEP IRA
1.61%	$500	-	35 Month Special CESA
1.61%	$500	-	35 Month Special IRA
1.61%	$500	-	35 Month Special Roth IRA
1.61%	$500	-	35 Month Special SEP IRA
1.36%	$500	-	48 Month IRA
1.36%	$500	-	48 Month Roth IRA
1.36%	$500	-	48 Month CESA
1.36%	$500	-	48 Month SEP IRA
1.16%	$500	-	36 Month IRA
1.16%	$500	-	36 Month Roth IRA
1.16%	$500	-	36 Month CESA
1.16%	$500	-	36 Month SEP IRA
1.01%	$500	-	30 Month IRA
1.01%	$500	-	30 Month Roth IRA
1.01%	$500	-	30 Month CESA
1.01%	$500	-	30 Month SEP IRA
0.95%	$500	-	13 Month Special IRA
0.95%	$500	-	13 Month Special Roth IRA
0.95%	$500	-	13 Month Special CESA
0.95%	$500	-	13 Month Special SEP IRA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month Roth IRA
0.80%	$500	-	24 Month CESA
0.80%	$500	-	24 Month SEP IRA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	18 Month Roth IRA
0.60%	$500	-	18 Month CESA
0.60%	$500	-	18 Month SEP IRA
0.55%	$500	-	12 Month IRA
0.55%	$500	-	12 Month Roth IRA
0.55%	$500	-	12 Month CESA
0.55%	$500	-	12 Month SEP IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.30%	$500	-	6 Month CESA
0.30%	$500	-	6 Month SEP IRA
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month Roth IRA
0.20%	$500	-	3 Month CESA
0.20%	$500	-	3 Month SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

West Liberty State Bank
FDIC Certificate #	14573
BankRate Report	View
Year Established	1934
Employees	14
Primary Regulator	FDIC
Assets and Liabilities
Assets	$80.81 million
Loans	$22.20 million
Deposits	$64.62 million
Equity Capital	$11.74 million
Loan Loss Allowance	$505,000
Unbacked Noncurrent Loans	$1.30 million
Real Estate Owned	$700,000
Historic Data - March 2011
Assets	$78.88 million
Equity Capital	$11.36 million
Loan Loss Allowance	$659,000
Unbacked Noncurrent Loans	$756,000
Real Estate Owned	$306,000
Profit Margin - Quarterly
Net Interest Margin	2.73%
Return on Assets	0.68%
Return on Equity	4.68%
Interest Income	$670,000

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 West Liberty State Bank had $2 million in non-current loans and owned real-estate with $12.25 million in equity and loan loss allowances on hand to cover it. This gives West Liberty State Bank a Texas Ratio of 16.32% 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 West Liberty State Bank increased slightly from 8.84% as of March 31, 2011 to 16.32% as of March 31, 2012, resulting in a negative change of 84.71%. This indicates that the balance sheet and financial strength for West Liberty State Bank has declined slightly in recent periods.
Deposit Growth
In the past year, West Liberty State Bank has increased its total deposits by $1.69 million, resulting in 2.68% 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 West Liberty State Bank has shown is above average.
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. West Liberty State Bank has $80.81 million in assets with $12.25 million in equity, resulting in a capitalization level of 15.16%, which is excellent.