Westside State Bank

Overview / Commentary

www.wsbankonline.com

712-663-4322

401 First Street
Westside, IA 51467

Westside State Bank is headquartered in Westside and is the 189^th largest bank in the state of Iowa. It is also the 3,966^th largest bank in the nation. It was established in 1907 and as of June of 2019, it had grown to 27 employees at 5 locations. Westside State Bank's money market rates are 5X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	18518
Year Established	1907
Employees	27
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	8.33%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$106.1MM$105.7MM
Loans	Q2 2019vs Q2 2018	$90.7MM$90.3MM
Deposits	Q2 2019vs Q2 2018	$85.9MM$84.8MM
Equity Capital	Q2 2019vs Q2 2018	$9.6MM$9.3MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$842.00K$802.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$241.00K$0
Real Estate Owned	Q2 2019vs Q2 2018	$259.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Westside State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$100k^*	-	Business Savings
OTHER TIERS: 0.65% → $1 - $100k
1.50%^*	-	$15k	Kasasa Saver
OTHER TIERS: 0.25% → $25k+
1.05%	-	-	IRA Savings
0.65%	$1	-	Passbook Savings

Westside State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $2.5k \| 0.30% → $2.5k - $100k \| 1.51% → $100k - $250k \| 2.02% → $250k - $500k

Westside State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	-	$25k	Kasasa Cash
OTHER TIERS: 0.25% → $25k+

Westside State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$500	-	60 Month CD
2.10%	$500	-	48 Month CD
2.05%^*	$100k^*	-	11 Month CD Special
OTHER TIERS: 1.80% → $500 - $100k
1.91%^*	$100k^*	-	7 Month CD Special
OTHER TIERS: 1.66% → $500 - $100k
1.90%	$500	-	36 Month CD
1.65%	$500	-	30 Month CD
1.50%	$500	-	24 Month CD
1.40%	$500	-	18 Month CD
1.35%	$500	-	15 Month CD
1.25%	$500	-	12 Month CD
1.20%	$500	-	182 Day CD

Westside State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$100	-	60 Month IRA
2.10%	$100	-	48 Month IRA
1.90%	$100	-	36 Month IRA
1.65%	$100	-	30 Month IRA
1.50%	$100	-	24 Month IRA
1.40%	$100	-	18 Month IRA
1.35%	$100	-	15 Month IRA
1.25%	$100	-	12 Month IRA
1.20%	$100	-	182 Day IRA

Locations

Westside State Bank Locations
Halbur Branch	103 North Main Street	Halbur, IA 51444
Wall Lake Branch	202 West First Street	Wall Lake, IA 51466
Westside State Bank	401 First Street	Westside, IA 51467
Westside State Bank	1012 N Us Highway 71	Carroll, IA 51401
Vail Branch	115 Hwy 30	Vail, IA 51465
Westside State Bank	American Plaza 2, 923 Galvin Road S.,	Bellevue, NE 68005

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