Peoples Bank, National Association

Peoples Bank, National Association is headquartered in Marietta and is the 15^st largest bank in the state of Ohio. It is also the 383^rd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 499 employees at 44 locations. Peoples Bank, National Association has a 5-star health rating.

Peoples Bank, National Association CD Rates

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Data for Q1 2012

Institution Statistics Peoples Bank, National Association FDIC Certificate # 6544 BankRate Report View Year Established 1902 Employees 499 Primary Regulator OCC Assets and Liabilities Assets $1.79 billion Loans $928.02 million Deposits $1.40 billion Equity Capital $199.73 million Loan Loss Allowance $21.25 million Unbacked Noncurrent Loans $20.49 million Real Estate Owned $869,000 Historic Data - March 2011 Assets $1.79 billion Equity Capital $201.31 million Loan Loss Allowance $24.45 million Unbacked Noncurrent Loans $32.27 million Real Estate Owned $4.40 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 1.6% Return on Equity 14.52% Interest Income $17.57 million

Institution Health Overall Score: 5 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, National Association had $21.36 million in non-current loans and owned real-estate with $220.98 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank, National Association a Texas Ratio of 9.67% which is above 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, National Association decreased significantly from 16.24% as of March 31, 2011 to 9.67% as of March 31, 2012, resulting in a positive change of 40.48%.This indicates that the balance sheet and financial strength for Peoples Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Peoples Bank, National Association has increased its total deposits by $36.23 million, resulting in 2.65% 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, National Association 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, National Association has $1.79 billion in assets with $220.98 million in equity, resulting in a capitalization level of 12.31%, which is excellent.