Welcome to The Earlham Savings Bank On.Line

Safety and Soundness Your Concern…Always Our Commitment

With uncertainty in the financial markets, news reports, and recent bank buyouts and failures we want to reassure you, our customers, by offering information about Earlham Savings Bank and also giving you some resources:

	Earlham Savings Bank is an FDIC insured, State Chartered Bank founded in 1931—subject to thorough internal examinations from both entities.
	Our lending practices are conservative.
	Our market share and loan portfolio are diversified due to the geographic location of our 4 offices and our lending policy. Our loan portfolio consists of: Ag, Residential Mortgages, Commercial Real Estate, Commercial Operating Lines of Credit, and Consumer Loans.
	We are well capitalized at 13%. This is double the minimum required by State Regulators.
	FDIC Insured banks are required to file a quarterly FDIC Call Report. This is public information and the general public may review the financial condition of any FDIC insured institution. Assets, Loan Losses, Capital and Liquidity are examples of financial information available to the consumer online. Consumers are welcome evaluate our financial condition at any time.
	No one has ever lost a penny of deposits insured by the FDIC since it originated in 1934.
	The FDIC has permanently raised its coverage to $250,000 per depositor per insured institution.
	Transaction Account Guarantee Program: The Earlham Savings Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.Interest bearing transaction accounts are not eligible for the “Transaction Account Guarantee Program”.
	Consumers may use different ownership categories to maximize FDIC coverage.
	Customers concerned about their FDIC insurance limits may visit with an Earlham Savings Bank Personal Banker or contact the FDIC through their website, FDIC.gov or toll-free at 877-ASK-FDIC.
	The Federal Financial Institutions Examination Council prescribes uniform principals and standards for bank examinations. At FFIEC.gov consumers may view the details of a bank’s financial condition. Go to the Financial Institution Info section of the site in the upper right-hand corner. Click on the UBPR link. To obtain a UBPR for Ealham Bank simply select Search for a Uniform Bank Performance Report. You can enter any FFIEC number or the name and address of any FDIC insured bank. Our FFIEC number is 05796.
	At BankRate.com see our 4 of 5 star rating and compare us with any competitor. Click on “News and Advice”, then scroll down to “Safe and Sound Rating.”