Peoples Bank of Wyaconda, Missouri

Peoples Bank of Wyaconda, Missouri is headquartered in Kahoka and is the 240^th largest bank in the state of Missouri. It is also the 5,754^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 14 employees at 2 locations. Peoples Bank of Wyaconda, Missouri has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples Bank of Wyaconda, Missouri FDIC Certificate # 15415 BankRate Report View Year Established 1914 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $70.91 million Loans $38.99 million Deposits $63.15 million Equity Capital $6.82 million Loan Loss Allowance $729,000 Historic Data - March 2011 Assets $70.92 million Equity Capital $6.65 million Loan Loss Allowance $704,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 1.09% Return on Equity 10.98% Interest Income $675,000

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 of Wyaconda, Missouri had $0 in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Wyaconda, Missouri a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Peoples Bank of Wyaconda, Missouri has decreased its total deposits by $-488,000, resulting in -0.77% 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 Wyaconda, Missouri has shown is 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 Wyaconda, Missouri has $70.91 million in assets with $7.55 million in equity, resulting in a capitalization level of 10.65%, which is above average.

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