Peoples Bank & Trust

Peoples Bank & Trust is headquartered in Pana and is the 150^th largest bank in the state of Illinois. It is also the 2,310^st largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 65 employees at 7 locations. Peoples Bank & Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples Bank & Trust FDIC Certificate # 17320 BankRate Report View Year Established 1954 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $280.14 million Loans $181.32 million Deposits $236.21 million Equity Capital $30.64 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $390,000 Real Estate Owned $836,000 Historic Data - March 2011 Assets $264.28 million Equity Capital $22.52 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $1.36 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 2.77% Return on Equity 26.69% Interest Income $3.08 million

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 had $1.23 million in non-current loans and owned real-estate with $32.84 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank & Trust a Texas Ratio of 3.73% which is excellent. 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 decreased slightly from 4.81% as of March 31, 2011 to 3.73% as of March 31, 2012, resulting in a positive change of 22.40%.This indicates that the balance sheet and financial strength for Peoples Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Peoples Bank & Trust has increased its total deposits by $7.29 million, resulting in 3.18% 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 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 has $280.14 million in assets with $32.84 million in equity, resulting in a capitalization level of 11.72%, which is above average.

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