People's Bank of Seneca

People's Bank of Seneca is headquartered in Seneca and is the 203^rd largest bank in the state of Missouri. It is also the 5,084^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 19 employees at 1 location. People's Bank of Seneca has a 4-star health rating.

Data for Q1 2012

Institution Statistics People's Bank of Seneca FDIC Certificate # 34146 BankRate Report View Year Established 1996 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $94.81 million Loans $58.42 million Deposits $86.02 million Equity Capital $8.36 million Loan Loss Allowance $928,000 Unbacked Noncurrent Loans $695,000 Real Estate Owned $257,000 Historic Data - March 2011 Assets $85.41 million Equity Capital $6.95 million Loan Loss Allowance $883,000 Unbacked Noncurrent Loans $344,000 Real Estate Owned $193,000 Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 1.95% Return on Equity 22.44% Interest Income $1.05 million

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 People's Bank of Seneca had $952,000 in non-current loans and owned real-estate with $9.29 million in equity and loan loss allowances on hand to cover it. This gives People's Bank of Seneca a Texas Ratio of 10.25% 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 People's Bank of Seneca held steady from 6.85% as of March 31, 2011 to 10.25% as of March 31, 2012, resulting in a negative change of 49.57%. This indicates that the balance sheet and financial strength for People's Bank of Seneca has held steady in recent periods. Deposit Growth In the past year, People's Bank of Seneca has increased its total deposits by $8.67 million, resulting in 11.21% 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 People's Bank of Seneca 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. People's Bank of Seneca has $94.81 million in assets with $9.29 million in equity, resulting in a capitalization level of 9.80%, which is average.

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