Peoples Bank of Altenburg

Peoples Bank of Altenburg is headquartered in Altenburg and is the 276^th largest bank in the state of Missouri. It is also the 6,324^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 14 employees at 2 locations. Peoples Bank of Altenburg has a 4-star health rating.

Data for Q1 2012

Institution Statistics Peoples Bank of Altenburg FDIC Certificate # 12226 BankRate Report View Year Established 1910 Employees 14 Primary Regulator FED Assets and Liabilities Assets $51.72 million Loans $36.79 million Deposits $46.47 million Equity Capital $5.15 million Loan Loss Allowance $659,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $367,000 Historic Data - March 2011 Assets $50.40 million Equity Capital $4.54 million Loan Loss Allowance $785,000 Unbacked Noncurrent Loans $777,000 Real Estate Owned $670,000 Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 1.19% Return on Equity 11.71% Interest Income $580,000

Institution Health Overall Score: 4 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 of Altenburg had $1.41 million in non-current loans and owned real-estate with $5.81 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Altenburg a Texas Ratio of 24.35% which is 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 of Altenburg held steady from 27.16% as of March 31, 2011 to 24.35% as of March 31, 2012, resulting in a positive change of 10.36%.This indicates that the balance sheet and financial strength for Peoples Bank of Altenburg has held steady in recent periods. Deposit Growth In the past year, Peoples Bank of Altenburg has increased its total deposits by $1.21 million, resulting in 2.68% 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 of Altenburg 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 of Altenburg has $51.72 million in assets with $5.81 million in equity, resulting in a capitalization level of 11.23%, which is above average.

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