Institution Statistics
| Peoples Bank & Trust Company of Hazard | | FDIC Certificate # | 8117 | | BankRate Report | View | | Year Established | 1923 | | Employees | 81 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $292.17 million | | Loans | $213.36 million | | Deposits | $255.51 million | | Equity Capital | $26.25 million | | Loan Loss Allowance | $1.80 million | | Unbacked Noncurrent Loans | $3.55 million | | Real Estate Owned | $1.79 million |
Historic Data - March 2011 | | Assets | $286.75 million | | Equity Capital | $25.56 million | | Loan Loss Allowance | $1.96 million | | Unbacked Noncurrent Loans | $2.71 million | | Real Estate Owned | $1.05 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.08% | | Return on Assets | 1.03% | | Return on Equity | 11.36% | | Interest Income | $3.35 million |
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Institution Health
Overall Score:
3 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 of Hazard had $5.34 million in non-current loans and owned real-estate with $28.05 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank & Trust Company of Hazard a Texas Ratio of 19.04% 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 & Trust Company of Hazard increased slightly from 13.65% as of March 31, 2011 to 19.04% as of March 31, 2012, resulting in a negative change of 39.55%. This indicates that the balance sheet and financial strength for Peoples Bank & Trust Company of Hazard has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Peoples Bank & Trust Company of Hazard has increased its total deposits by $4.89 million, resulting in 1.95% 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 of Hazard 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 & Trust Company of Hazard has $292.17 million in assets with $28.05 million in equity, resulting in a capitalization level of 9.60%, which is average. |
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