Peoples First Savings Bank

Peoples First Savings Bank is headquartered in Mason and is the 201^st largest bank in the state of Ohio. It is also the 6,298^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 14 employees at 2 locations. Peoples First Savings Bank's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Peoples First Savings Bank Routing Number: 242272366

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Data for Q1 2012

Institution Statistics Peoples First Savings Bank OTS # 05752 FDIC Certificate # 30688 BankRate Report View Year Established 1909 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $52.45 million Loans $41.81 million Deposits $39.31 million Equity Capital $5.99 million Loan Loss Allowance $200,000 Unbacked Noncurrent Loans $934,000 Real Estate Owned $275,000 Historic Data - March 2011 Assets $51.71 million Equity Capital $6.09 million Loan Loss Allowance $258,000 Unbacked Noncurrent Loans $753,000 Real Estate Owned $125,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.19% Return on Equity 1.63% Interest Income $592,000

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 First Savings Bank had $1.21 million in non-current loans and owned real-estate with $6.19 million in equity and loan loss allowances on hand to cover it. This gives Peoples First Savings Bank a Texas Ratio of 19.53% 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 First Savings Bank increased slightly from 13.82% as of March 31, 2011 to 19.53% as of March 31, 2012, resulting in a negative change of 41.30%. This indicates that the balance sheet and financial strength for Peoples First Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Peoples First Savings Bank has increased its total deposits by $769,000, resulting in 2% 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 First Savings 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 First Savings Bank has $52.45 million in assets with $6.19 million in equity, resulting in a capitalization level of 11.80%, which is above average.

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