Peoples Community State Bank

Peoples Community State Bank is headquartered in Doniphan and is the 164^th largest bank in the state of Missouri. It is also the 4,297^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 44 employees at 5 locations. Peoples Community State Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Peoples Community State Bank FDIC Certificate # 23115 BankRate Report View Year Established 1980 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $128.03 million Loans $87.18 million Deposits $106.13 million Equity Capital $21.61 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $1.01 million Historic Data - March 2011 Assets $128.73 million Equity Capital $19.21 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $391,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 2.71% Return on Equity 16.62% Interest Income $1.64 million

Institution Health Overall Score: 4 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 State Bank had $2.49 million in non-current loans and owned real-estate with $23.14 million in equity and loan loss allowances on hand to cover it. This gives Peoples Community State Bank a Texas Ratio of 10.75% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Peoples Community State Bank held steady from 8.08% as of March 31, 2011 to 10.75% as of March 31, 2012, resulting in a negative change of 33.05%. This indicates that the balance sheet and financial strength for Peoples Community State Bank has held steady in recent periods. Deposit Growth In the past year, Peoples Community State Bank has increased its total deposits by $1.95 million, resulting in 1.87% 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 State Bank 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 Community State Bank has $128.03 million in assets with $23.14 million in equity, resulting in a capitalization level of 18.07%, which is excellent.

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