Institution Statistics
| Peoples Bank & Trust Co. | | FDIC Certificate # | 8903 | | BankRate Report | View | | Year Established | 1924 | | Employees | 94 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $397.50 million | | Loans | $253.67 million | | Deposits | $345.70 million | | Equity Capital | $32.42 million | | Loan Loss Allowance | $10.92 million | | Unbacked Noncurrent Loans | $27.25 million | | Real Estate Owned | $8.36 million |
Historic Data - September 2010 | | Assets | $391.58 million | | Equity Capital | $27.14 million | | Loan Loss Allowance | $9.14 million | | Unbacked Noncurrent Loans | $13.75 million | | Real Estate Owned | $7.19 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.67% | | Return on Assets | 0.5% | | Return on Equity | 6.56% | | Interest Income | $13.49 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 September 30, 2011 Peoples Bank and Trust had $35.61 million in non-current loans and owned real-estate with $43.34 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank and Trust a Texas Ratio of 82.16% 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 57.71% as of September 30, 2010 to 82.16% as of September 30, 2011, resulting in a negative change of 42.38%. 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 $14.22 million, resulting in 4.29% 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 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 has $397.5 million in assets with $43.34 million in equity, resulting in a capitalization level of 10.90%, which is above average. |
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