Institution Statistics
| Peoples Bank & Trust Company | | FDIC Certificate # | 12438 | | BankRate Report | View | | Year Established | 1918 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $61.39 million | | Loans | $14.85 million | | Deposits | $53.31 million | | Equity Capital | $7.89 million | | Loan Loss Allowance | $327,000 | | Unbacked Noncurrent Loans | $18,000 |
Historic Data - March 2011 | | Assets | $57.80 million | | Equity Capital | $7.45 million | | Loan Loss Allowance | $327,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.56% | | Return on Assets | 1.06% | | Return on Equity | 8.09% | | Interest Income | $509,000 |
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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 & Trust Company (MS) had $18,000 in non-current loans and owned real-estate with $8.22 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank & Trust Company (MS) a Texas Ratio of 0.22% 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 & Trust Company (MS) has increased its total deposits by $3.16 million, resulting in 6.3% 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 & Trust Company (MS) 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. Peoples Bank & Trust Company (MS) has $61.39 million in assets with $8.22 million in equity, resulting in a capitalization level of 13.38%, which is excellent. |
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