Institution Statistics
| Peoples Bank & Trust Co. | | FDIC Certificate # | 8903 | | BankRate Report | View | | Year Established | 1924 | | Employees | 102 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $408.10 million | | Loans | $227.64 million | | Deposits | $368.62 million | | Equity Capital | $25.45 million | | Loan Loss Allowance | $11.65 million | | Unbacked Noncurrent Loans | $29.76 million | | Real Estate Owned | $7.56 million |
Historic Data - March 2011 | | Assets | $401.20 million | | Equity Capital | $30.90 million | | Loan Loss Allowance | $10.32 million | | Unbacked Noncurrent Loans | $22.42 million | | Real Estate Owned | $8.35 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.46% | | Return on Assets | -1.7% | | Return on Equity | -25.86% | | Interest Income | $4.09 million |
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Institution Health
Overall Score:
2 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 had $37.32 million in non-current loans and owned real-estate with $37.1 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank and Trust a Texas Ratio of 100.59% which is poor. 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 increased slightly from 74.63% as of March 31, 2011 to 100.59% as of March 31, 2012, resulting in a negative change of 34.78%. This indicates that the balance sheet and financial strength for Peoples Bank and Trust has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Peoples Bank and Trust has increased its total deposits by $33.5 million, resulting in 10% 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 has shown is excellent. | | 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 has $408.1 million in assets with $37.1 million in equity, resulting in a capitalization level of 9.09%, which is average. |
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