Peoples Federal Savings Bank of DeKalb County

Peoples Federal Savings Bank of DeKalb County Locations
212 West Seventh Street
Auburn, IN 46706
www.peoplesfed.com

Peoples Federal Savings Bank of DeKalb County is headquartered in Auburn and is the 27th largest bank in the state of Indiana. It is also the 1,383rd largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 134 employees at 15 locations. Peoples Federal Savings Bank of DeKalb County has a 5-star health rating.



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See Rates for: CD | IRA

Peoples Federal Savings Bank of DeKalb County CD Rates

ApyMinMaxProduct
1.60%$1k-5 Year CD w/ checking
1.40%$1k-5 Year CD w/o checking
1.35%$1k-4 Year CD w/ checking
1.15%$1k-4 Year CD w/o checking
1.00%$1k-3 Year CD w/ checking
0.80%$1k-3 Year CD w/o checking
0.80%--156 Week CDARS
0.70%$1k-2 Year CD
0.70%$1k-2 1/2 Year CD
0.60%--104 Week CDARS
0.50%$500-1 Year CD
0.50%$1k-18 Month CD
0.45%--52 Week CDARS
0.40%$200-1 Year Dream Builder
0.25%$1k-182 Days CD
0.20%$1k-91 Day CD
0.20%--26 Week CDARS
0.15%--13 Week CDARS
0.10%--4 Week CDARS

Peoples Federal Savings Bank of DeKalb County IRA Rates

ApyMinMaxProduct
1.60%$1k-5 Year IRA w/ checking
1.60%$1k-5 Year Roth IRA w/ checking
1.60%$1k-5 Year SEP IRA w/ checking
1.60%$1k-5 Year CESA w/ checking
1.60%$1k-5 Year Simple IRA w/ checking
1.40%$1k-5 Year IRA w/o checking
1.40%$1k-5 Year Roth IRA w/o checking
1.40%$1k-5 Year SEP IRA w/o checking
1.40%$1k-5 Year CESA w/o checking
1.40%$1k-5 Year Simple IRA w/o checking
1.35%$1k-4 Year IRA w/ checking
1.35%$1k-4 Year Roth IRA w/ checking
1.35%$1k-4 Year SEP IRA w/ checking
1.35%$1k-4 Year CESA w/ checking
1.35%$1k-4 Year Simple IRA w/ checking
1.15%$1k-4 Year IRA w/o checking
1.15%$1k-4 Year Roth IRA w/o checking
1.15%$1k-4 Year SEP IRA w/o checking
1.15%$1k-4 Year CESA w/o checking
1.15%$1k-4 Year Simple IRA w/o checking
1.00%$1k-3 Year IRA w/ checking
1.00%$1k-3 Year Roth IRA w/ checking
1.00%$1k-3 Year SEP IRA w/ checking
1.00%$1k-3 Year CESA w/ checking
1.00%$1k-3 Year Simple IRA w/ checking
0.80%$1k-3 Year IRA w/o checking
0.80%$1k-3 Year Roth IRA w/o checking
0.80%$1k-3 Year SEP IRA w/o checking
0.80%$1k-3 Year CESA w/o checking
0.80%$1k-3 Year Simple IRA w/o checking
0.70%$1k-2 Year IRA
0.70%$100-18 Month IRA Variable
0.70%$100-18 Month Roth IRA Variable
0.70%$1k-2 Year Roth IRA
0.70%$100-18 Month SEP IRA Variable
0.70%$1k-2 Year SEP IRA
0.70%$100-18 Month CESA Variable
0.70%$100-18 Month Simple IRA Variable
0.70%$1k-2 Year CESA
0.70%$1k-2 Year Simple IRA
0.50%$1k-1 Year IRA
0.50%$1k-1 Year Roth IRA
0.50%$1k-1 Year SEP IRA
0.50%$1k-1 Year CESA
0.50%$1k-1 Year Simple IRA
0.25%$1k-182 Day IRA
0.25%$1k-182 Day Roth IRA
0.25%$1k-182 Day SEP IRA
0.25%$1k-182 Day CESA
0.25%$1k-182 Day Simple IRA
0.20%$1k-91 Days IRA
0.20%$1k-91 Days Roth IRA
0.20%$1k-91 Days SEP IRA
0.20%$1k-91 Days CESA
0.20%$1k-91 Days Simple IRA

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Peoples Federal Savings Bank of DeKalb County
OTS #04091
FDIC Certificate #29789
BankRate ReportView
Year Established1925
Employees134
Primary RegulatorOCC

Assets and Liabilities

Assets$490.93 million
Loans$214.78 million
Deposits$372.63 million
Equity Capital$57.00 million
Loan Loss Allowance$2.36 million
Unbacked Noncurrent Loans$1.08 million
Real Estate Owned$816,000

Historic Data - March 2011

Assets$475.48 million
Equity Capital$52.99 million
Loan Loss Allowance$2.62 million
Unbacked Noncurrent Loans$1.64 million
Real Estate Owned$974,000

Profit Margin - Quarterly

Net Interest Margin2.77%
Return on Assets0.59%
Return on Equity5.01%
Interest Income$4.49 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Federal Savings Bank of DeKalb County had $1.9 million in non-current loans and owned real-estate with $59.36 million in equity and loan loss allowances on hand to cover it. This gives Peoples Federal Savings Bank of DeKalb County a Texas Ratio of 3.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Peoples Federal Savings Bank of DeKalb County decreased slightly from 4.71% as of March 31, 2011 to 3.19% as of March 31, 2012, resulting in a positive change of 32.12%.This indicates that the balance sheet and financial strength for Peoples Federal Savings Bank of DeKalb County has improved slightly in recent periods.
Deposit Growth4
In the past year, Peoples Federal Savings Bank of DeKalb County has increased its total deposits by $15.61 million, resulting in 4.37% 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 Federal Savings Bank of DeKalb County has shown is above average.
Capitalization5
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 Federal Savings Bank of DeKalb County has $490.93 million in assets with $59.36 million in equity, resulting in a capitalization level of 12.09%, which is excellent.
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