Institution Statistics
| Peoples Bank & Trust Company | | FDIC Certificate # | 1475 | | BankRate Report | View | | Year Established | 1905 | | Employees | 24 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $81.15 million | | Loans | $44.76 million | | Deposits | $67.01 million | | Equity Capital | $8.63 million | | Loan Loss Allowance | $1.08 million | | Unbacked Noncurrent Loans | $2.07 million | | Real Estate Owned | $166,000 |
Historic Data - March 2011 | | Assets | $82.24 million | | Equity Capital | $8.28 million | | Loan Loss Allowance | $1.02 million | | Unbacked Noncurrent Loans | $977,000 | | Real Estate Owned | $166,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 0.49% | | Return on Equity | 4.62% | | Interest Income | $792,000 |
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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 had $2.24 million in non-current loans and owned real-estate with $9.71 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank & Trust Company a Texas Ratio of 23.02% 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 increased slightly from 12.30% as of March 31, 2011 to 23.02% as of March 31, 2012, resulting in a negative change of 87.20%. This indicates that the balance sheet and financial strength for Peoples Bank & Trust Company has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Peoples Bank & Trust Company has decreased its total deposits by $-352,000, resulting in -0.52% 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 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 & Trust Company has $81.15 million in assets with $9.71 million in equity, resulting in a capitalization level of 11.96%, which is above average. |
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