Peoples Community Bank (MO)

Peoples Community Bank (MO) is headquartered in Greenville and is the 152^nd largest bank in the state of Missouri. It is also the 3,972^nd largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 47 employees at 7 locations. Peoples Community Bank (MO) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples Community Bank FDIC Certificate # 22394 BankRate Report View Year Established 1977 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $144.46 million Loans $98.52 million Deposits $119.42 million Equity Capital $22.73 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $355,000 Real Estate Owned $80,000 Historic Data - March 2011 Assets $123.17 million Equity Capital $18.89 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $175,000 Real Estate Owned $765,000 Profit Margin - Quarterly Net Interest Margin 5.44% Return on Assets 3.43% Return on Equity 21.76% Interest Income $2.00 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 Community Bank (MO) had $435,000 in non-current loans and owned real-estate with $24.06 million in equity and loan loss allowances on hand to cover it. This gives Peoples Community Bank (MO) a Texas Ratio of 1.81% 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 Community Bank (MO) decreased significantly from 4.69% as of March 31, 2011 to 1.81% as of March 31, 2012, resulting in a positive change of 61.41%.This indicates that the balance sheet and financial strength for Peoples Community Bank (MO) has improved significantly in recent periods. Deposit Growth In the past year, Peoples Community Bank (MO) has increased its total deposits by $15.42 million, resulting in 14.82% 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 Community Bank (MO) 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 Community Bank (MO) has $144.46 million in assets with $24.06 million in equity, resulting in a capitalization level of 16.65%, which is excellent.

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