Community Reinvestment 
Here at Iowa State Bank, we passionately believe in meeting the financial needs of the local community. We continually strive to put money back into our local economy. This is why for the past 10 years, the Federal Deposit Insurance Corporation (FDIC) has awarded Iowa State Bank an OUTSTANDING rating for community reinvestment. This is the highest rating a bank can earn and serves as independent proof of our commitment to the citizens and economy of metro Des Moines.

East Village
Revitalization of the historic East Village area continues with Iowa State Bank playing a pivotal role by making investment capital available. John C. Burgeson, CEO, serves as chairman of the Gateway East Steering Committee, the group guiding many of these revitalization efforts.

The Iowa State Bank Holding Company built the 601 E. Locust building which currently hosts the Noodle Zoo restaurant, Schaeffer's Bridal and G Commerce, a software corporation. The building is currently fully leased with more new tenants moving in soon.

Another new, noteworthy business in the East Village area is the Sticks Gallery, located in the Capitol View Building. The Gallery is a treasure trove of Sticks’ brand of folk-inspired artwork and furniture that’s gaining attention nationwide.

Capitol View Elementary
Through the “America’s Promise” program, our employees have developed a relationship with the Capitol View Elementary School to provide students with reading materials. With the Trees For Kids Program, Iowa State Bank has planted trees at Capitol View Elementary and other schools to teach the importance of nature conservancy and city beautification.

Shoes That Fit
Iowa State Bank has joined OnMedia to partner with the Shoes That Fit program in an effort to supply shoes and clothing to needy elementary school children. In addition, our employees adopt the Capitol View Elementary School to make sure their needs are met.

Neighborhood Clean Up Day
Each spring, our employees volunteer as a part of The Des Moines area Clean Up Day. Members of the neighborhood bring a wide range of unwanted trash and our staff, the president included, join together to help unload and haul off the garbage. This allows citizens to remove unwanted and hazardous trash from their neighborhoods at no charge.

Jolly Holiday Lights
For the 6th straight year, Iowa State Bank has given the Make-A-Wish Foundation® a hand by volunteering for the Jolly Holiday Lights event. All proceeds benefit the Make-A-Wish Foundation, granting wishes of children with life-threatening illnesses.

Institute for Social & Economic Development
Iowa State Bank is involved with the Bank On It Program, Earned Income Tax Credit Campaign, Financial Literacy programs as well as the Business LINC program that offers redevelopment, stabilization, and expansion of small business for disadvantaged communities in the Des Moines area.

Citizens for Community Improvement (CCI)
Our President, Steve Henry, is a member of the Legislative Task Force, and works with CCI to help enact state laws to eliminate predatory lending from our community. We are also involved with the First Time Homebuyers Club, Renters Workshop, Predatory Lending Task Force, CRA Residential Loan Programs, Onsite Residential Real Estate Loan Program and we help gather and analyze CRA demographic data.

Designated Investment Fund
Iowa State Bank’ established the Designated Investment Fund, or DIF, that allows customers to earmark their deposits for use exclusively in our East side community. This support has made loan funds available to help East side neighbors buy and renovate homes, and businesses start up and expand. It’s our way of making sure your money stays in the community working for all of us.

Iowa State Bank works closely with Citizens for Community Improvement (CCI), Citizen Action Committee (CAC), Fairground Neighbors for Community Improvement and other groups and neighborhood associations to distribute DIF funds for optimum economic impact.

If you’re a member of the East-side community, you’re eligible to borrow from the fund. You may find that applying for a DIF loan is easier than you think. That’s because one of our goals is to enrich Des Moines’ East side while building a vibrant economy.

And Many More
Iowa State Bank provides our expertise by supporting these local organizations: Saydel High School Business Mentoring Program, Grand View College, Drake University and the East, South and West Des Moines Chambers of Commerce.

In addition, we contribute financial support to these local organizations: American Red Cross, Blank Park Zoo, United Way of Central Iowa, Prevent Child Abuse Iowa, Young Women’s Christian Association, Des Moines Neighbors, East High School Alumni & Scholarship Program, Des Moines Partnership & Community Alliance, Citizens for Community Improvement, Des Moines Neighbors, Hoyt Sherman Place, Iowa Health Foundation, Des Moines Public Library, Polk County Housing Investment Fund and the YWCA.

Community Reinvestment Act Notice
Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the FDIC, and a list of services provided. You may also have access to the following additional information, which we will make available to you within five calendar days after you make a request to us:

1. Map showing the assessment area containing this branch, which is the area in which the FDIC evaluates our CRA performance in this community.
2. Information about our branches in this assessment area.
3. A list of services we provide at those locations.
4. Data on our lending performance in this assessment area.
5. Copies of all written comments received by us that specifically relate to our CRA performance in this assessment area and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, FDIC, 2345 Grand Avenue, Suite 1500, Kansas City, MO 64108. You may send written comments about our performance in helping to meet community credit needs to Stephen Henry, President, Iowa State Bank, 627 E. Locust, Des Moines, IA 50309 and the FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Iowa State Bank Holding Company, a bank holding company. You may request from the Regional Manager, Federal Reserve Bank of Chicago, Public Information Center, P.O. Box 834, Chicago, IL 60690-0834 an announcement of applications covered by the CRA filed by bank holding companies.