Peoples National Bank of Kewanee

Peoples National Bank of Kewanee is headquartered in Kewanee and is the 166^th largest bank in the state of Illinois. It is also the 2,494^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 71 employees at 7 locations. Peoples National Bank of Kewanee has a 5-star health rating.

Data for Q1 2012

Institution Statistics Peoples National Bank of Kewanee FDIC Certificate # 926 BankRate Report View Year Established 1928 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $259.13 million Loans $95.57 million Deposits $214.85 million Equity Capital $40.50 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $431,000 Historic Data - March 2011 Assets $249.93 million Equity Capital $37.63 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $3.47 million Real Estate Owned $928,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.78% Return on Equity 4.99% Interest Income $2.69 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 National Bank of Kewanee had $1.83 million in non-current loans and owned real-estate with $42.44 million in equity and loan loss allowances on hand to cover it. This gives Peoples National Bank of Kewanee a Texas Ratio of 4.30% 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 National Bank of Kewanee decreased significantly from 11.04% as of March 31, 2011 to 4.30% as of March 31, 2012, resulting in a positive change of 61.05%.This indicates that the balance sheet and financial strength for Peoples National Bank of Kewanee has improved significantly in recent periods. Deposit Growth In the past year, Peoples National Bank of Kewanee has increased its total deposits by $5.82 million, resulting in 2.78% 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 of Kewanee 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 National Bank of Kewanee has $259.13 million in assets with $42.44 million in equity, resulting in a capitalization level of 16.38%, which is excellent.

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