Earlham Savings Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Earlham Savings Bank opened its doors in the midst of the Great Depression, January 1st, 1931. As the only bank serving Madison County, Iowa at that time, we opened our doors with the slogan, Large enough to serve you, small enough to know you.

Banking has undergone many changes since our opening day. Thirteen recessions have taken place, other banks have come and gone, and technology has grown by leaps and bounds, making a vast impact on banking and its future.

With our full-service line of products and outstanding staff, committed to top-notch service, the bank invites you to come to any one of our eight branches and see why Earlham Savings Bank should be your bank.