Peoples Bank and Trust Company of Pointe Coupee Parish

Peoples Bank and Trust Company of Pointe Coupee Parish is headquartered in New Roads and is the 77^th largest bank in the state of Louisiana. It is also the 3,609^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 36 employees at 3 locations. Peoples Bank and Trust Company of Pointe Coupee Parish's CD rates are 12% higher than the national average, and it has a 3-star health rating.

Peoples Bank and Trust Company of Pointe Coupee Parish CD Rates

Peoples Bank and Trust Company of Pointe Coupee Parish IRA Rates

Data for Q1 2012

Institution Statistics Peoples Bank and Trust Company of Pointe Coupee Parish FDIC Certificate # 23090 BankRate Report View Year Established 1980 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $165.44 million Loans $137.64 million Deposits $135.45 million Equity Capital $16.18 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $4.97 million Real Estate Owned $333,000 Historic Data - March 2011 Assets $165.23 million Equity Capital $14.79 million Loan Loss Allowance $962,000 Unbacked Noncurrent Loans $691,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.1% Return on Equity 11.25% Interest Income $2.04 million

Institution Health Overall Score: 3 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 Peoples Bank and Trust Company of Pointe Coupee Parish had $5.3 million in non-current loans and owned real-estate with $17.25 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank and Trust Company of Pointe Coupee Parish a Texas Ratio of 30.75% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples Bank and Trust Company of Pointe Coupee Parish increased slightly from 4.39% as of March 31, 2011 to 30.75% as of March 31, 2012, resulting in a negative change of 600.89%. This indicates that the balance sheet and financial strength for Peoples Bank and Trust Company of Pointe Coupee Parish has declined slightly in recent periods. Deposit Growth In the past year, Peoples Bank and Trust Company of Pointe Coupee Parish has increased its total deposits by $3.24 million, resulting in 2.45% 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 Peoples Bank and Trust Company of Pointe Coupee Parish 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. Peoples Bank and Trust Company of Pointe Coupee Parish has $165.44 million in assets with $17.25 million in equity, resulting in a capitalization level of 10.43%, which is above average.

No reviews have been left for this bank yet. Be the first to review.