Peoples National Bank , N.A.

520 South 42nd Street
Mount Vernon, IL 62864
1-866-900-6550
www.peoplesnationalbank.com

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Peoples National Bank , N.A. is headquartered in Mount Vernon and is the 46^th largest bank in the state of Illinois. It is also the 751^st largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 238 employees at 19 locations. Peoples National Bank , N.A. has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Peoples National Bank , N.A. Checking Account Rates

Apy	Min	Max	Product
0.06%	$50k	-	Peoples Plus Checking
0.06%	$10k	-	Peoples Prime 50
0.01%	$5k	-	Peoples Choice Checking

Peoples National Bank , N.A. Savings Account Rates

Apy	Min	Max	Product
0.05%	-	-	Regular Savings
0.05%	-	-	Little Peoples Savings
0.05%	-	-	Christmas Savers
0.03%	$100	-	Peoples Health Savings Account

Peoples National Bank , N.A. Money Market Rates

	Apy	Min	Max	Product
	0.06%	$25k	-	Preferred Money Market

Peoples National Bank , N.A. CD Rates

Apy	Min	Max	Product
1.27%	$100k	-	60+ Month CD
1.27%	$100k	-	60+ Month Business CD
1.01%	$100k	-	48-59 Month CD
1.01%	$100k	-	48-59 Month Business CD
0.91%	$500	-	43 Month CD Special
0.81%	$100k	-	36-47 Month CD
0.81%	$100k	-	36-47 Month Business CD
0.51%	$100k	-	24-35 Month CD
0.51%	$100k	-	24-35 Month Business CD
0.26%	$100k	-	18-23 Month CD
0.26%	$100k	-	18-23 Month Business CD
0.23%	$25k	-	10 Month 3 in 1 CD Special
0.21%	$100k	-	12-17 Month CD
0.21%	$100k	-	12-17 Month Business CD
0.17%	$100k	-	182-364 Day CD
0.17%	$500	-	5 Month CD Special
0.17%	$100k	-	182-364 Day Business CD
0.13%	$100k	-	91-181 Day CD
0.13%	$100k	-	91-181 Day Business CD
0.11%	$100k	-	30-90 Day CD
0.11%	$100k	-	30-90 Day Business CD

Peoples National Bank , N.A. IRA Rates

Apy	Min	Max	Product
1.32%	$100	-	60 Month Fixed Rate IRA
1.32%	$100	-	60 Month Fixed Rate Roth IRA
1.32%	$100	-	60 Month Fixed Rate Education IRA
1.03%	$100	-	48 Month Fixed Rate IRA
1.03%	$100	-	48 Month Fixed Rate Roth IRA
1.03%	$100	-	48 Month Fixed Rate Education IRA
0.91%	$100	-	42 Month IRA Special
0.91%	$100	-	42 Month Roth IRA Special
0.91%	$100	-	42 Month Education IRA Special
0.46%	$100	-	24 Month Fixed Rate IRA
0.46%	$100	-	24 Month Fixed Rate Roth IRA
0.46%	$100	-	24 Month Fixed Rate Education IRA
0.23%	$100	-	18 Month Fixed Rate IRA
0.23%	$100	-	18 Month Fixed Rate Roth IRA
0.23%	$100	-	18 Month Fixed Rate Education IRA
0.16%	$100	-	12 Month Fixed Rate IRA
0.16%	$100	-	18 Month Variable Rate IRA
0.16%	$100	-	12 Month Fixed Rate Roth IRA
0.16%	$100	-	18 Month Variable Rate Roth IRA
0.16%	$100	-	12 Month Fixed Rate Education IRA
0.16%	$100	-	18 Month Variable Rate Education IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Peoples National Bank , N.A.
FDIC Certificate #	3809
BankRate Report	View
Year Established	1909
Employees	238
Primary Regulator	OCC
Assets and Liabilities
Assets	$886.95 million
Loans	$612.91 million
Deposits	$806.73 million
Equity Capital	$78.17 million
Loan Loss Allowance	$8.19 million
Unbacked Noncurrent Loans	$16.97 million
Real Estate Owned	$5.91 million
Historic Data - March 2011
Assets	$904.59 million
Equity Capital	$77.39 million
Loan Loss Allowance	$7.98 million
Unbacked Noncurrent Loans	$15.65 million
Real Estate Owned	$10.62 million
Profit Margin - Quarterly
Net Interest Margin	3.8%
Return on Assets	0.78%
Return on Equity	8.82%
Interest Income	$9.05 million

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 National Bank , N.A. had $22.88 million in non-current loans and owned real-estate with $86.36 million in equity and loan loss allowances on hand to cover it. This gives Peoples National Bank , N.A. a Texas Ratio of 26.49% 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 National Bank , N.A. held steady from 31.01% as of March 31, 2011 to 26.49% as of March 31, 2012, resulting in a positive change of 14.58%.This indicates that the balance sheet and financial strength for Peoples National Bank , N.A. has held steady in recent periods.
Deposit Growth
In the past year, Peoples National Bank , N.A. has decreased its total deposits by -$18.53 million, resulting in -2.25% 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 National Bank , N.A. has shown is below 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 National Bank , N.A. has $886.95 million in assets with $86.36 million in equity, resulting in a capitalization level of 9.74%, which is average.

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